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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 | $11,532 | $176,402-93.5% | $134,162-91.4% | $158,982-92.7% |
| Participation rate | 86.4% | 78.7%+7.6pp | 72.2%+14.2pp | 82.0%+4.4pp |
| Annual return | 40.83% | 63.66%-22.8pp | 36.35%+4.5pp | 302.99%-262.2pp |
| Employer contribution / active EE | $2,978 | $5,042-40.9% | $3,705-19.6% | $4,763-37.5% |
| Participant deferral / active EE | $5,286 | $4,093+29.2% | $3,500+51.0% | $5,983-11.7% |
| Admin fee / account holder | $1,146 | $8,719-86.9% | $6,685-82.9% | $11,252-89.8% |