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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 | $19,804 | $157,296-87.4% | $141,191-86.0% | $152,897-87.0% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 26.26% | 64.34%-38.1pp | 71.41%-45.1pp | 345.43%-319.2pp |
| Employer contribution / active EE | $1,530 | $5,262-70.9% | $4,736-67.7% | $4,764-67.9% |
| Participant deferral / active EE | $8,456 | $7,111+18.9% | $6,710+26.0% | $5,851+44.5% |
| Admin fee / account holder | $1,116 | $12,125-90.8% | $10,264-89.1% | $11,599-90.4% |