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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 | $19,259 | $157,304-87.8% | $141,197-86.4% | $152,909-87.4% |
| Participation rate | 80.0% | 84.8%-4.8pp | 82.5%-2.5pp | 82.5%-2.5pp |
| Annual return | 32.64% | 64.34%-31.7pp | 71.41%-38.8pp | 345.46%-312.8pp |
| Employer contribution / active EE | $2,853 | $5,263-45.8% | $4,736-39.8% | $4,764-40.1% |
| Participant deferral / active EE | $4,214 | $7,111-40.7% | $6,710-37.2% | $5,851-28.0% |
| Admin fee / account holder | $1,241 | $12,126-89.8% | $10,265-87.9% | $11,601-89.3% |