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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,040 | $180,459-86.7% | $154,108-84.4% | $135,380-82.2% |
| Participation rate | 90.9% | 87.4%+3.5pp | 83.0%+7.9pp | 82.6%+8.3pp |
| Annual return | 14.70% | 888.21%-873.5pp | 735.21%-720.5pp | 519.81%-505.1pp |
| Employer contribution / active EE | $3,442 | $6,035-43.0% | $5,298-35.0% | $4,779-28.0% |
| Participant deferral / active EE | $4,839 | $5,806-16.7% | $5,081-4.8% | $5,609-13.7% |
| Admin fee / account holder | $338 | $16,145-97.9% | $13,411-97.5% | $10,828-96.9% |