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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 | $15,709 | $185,225-91.5% | $142,898-89.0% | $167,536-90.6% |
| Participation rate | 90.5% | 78.5%+12.0pp | 72.0%+18.5pp | 82.1%+8.4pp |
| Annual return | 11.85% | 8558.12%-8546.3pp | 5639.64%-5627.8pp | 478.82%-467.0pp |
| Employer contribution / active EE | $5,773 | $5,607+3.0% | $4,146+39.3% | $4,839+19.3% |
| Participant deferral / active EE | $2,266 | $4,496-49.6% | $3,838-41.0% | $6,342-64.3% |
| Admin fee / account holder | $381 | $8,032-95.3% | $6,560-94.2% | $12,315-96.9% |