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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 | $26,499 | $93,345-71.6% | $119,126-77.8% | $87,485-69.7% |
| Participation rate | 93.1% | 68.7%+24.4pp | 75.8%+17.3pp | 68.9%+24.2pp |
| Annual return | 68.55% | 19.08%+49.5pp | 282.11%-213.6pp | 26.06%+42.5pp |
| Employer contribution / active EE | $2,271 | $3,172-28.4% | $4,034-43.7% | $2,596-12.5% |
| Participant deferral / active EE | $6,213 | $4,099+51.6% | $5,318+16.8% | $4,274+45.4% |
| Admin fee / account holder | $1,096 | $8,039-86.4% | $10,693-89.7% | $7,775-85.9% |