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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 | $30,892 | $202,342-84.7% | $172,753-82.1% | $152,909-79.8% |
| Participation rate | 91.7% | 87.1%+4.6pp | 82.6%+9.0pp | 82.5%+9.2pp |
| Annual return | 20.09% | 1029.88%-1009.8pp | 803.00%-782.9pp | 345.46%-325.4pp |
| Employer contribution / active EE | $1,367 | $5,857-76.7% | $5,144-73.4% | $4,764-71.3% |
| Participant deferral / active EE | $2,627 | $5,948-55.8% | $5,198-49.5% | $5,851-55.1% |
| Admin fee / account holder | $934 | $17,112-94.5% | $13,956-93.3% | $11,601-91.9% |