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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 | $14,804 | $202,342-92.7% | $172,752-91.4% | $152,897-90.3% |
| Participation rate | 92.3% | 87.1%+5.3pp | 82.6%+9.7pp | 82.5%+9.9pp |
| Annual return | 24.07% | 1029.83%-1005.8pp | 802.97%-778.9pp | 345.43%-321.4pp |
| Employer contribution / active EE | $1,471 | $5,858-74.9% | $5,144-71.4% | $4,764-69.1% |
| Participant deferral / active EE | $3,575 | $5,948-39.9% | $5,198-31.2% | $5,851-38.9% |
| Admin fee / account holder | $426 | $17,111-97.5% | $13,955-96.9% | $11,599-96.3% |