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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 | $25,792 | $209,425-87.7% | $178,499-85.6% | $158,966-83.8% |
| Participation rate | 90.9% | 86.4%+4.6pp | 81.9%+9.0pp | 82.0%+8.9pp |
| Annual return | 19.71% | 188.80%-169.1pp | 151.10%-131.4pp | 302.95%-283.2pp |
| Employer contribution / active EE | $2,115 | $5,707-62.9% | $5,011-57.8% | $4,762-55.6% |
| Participant deferral / active EE | $4,204 | $5,955-29.4% | $5,202-19.2% | $5,983-29.7% |
| Admin fee / account holder | $734 | $17,078-95.7% | $13,986-94.8% | $11,250-93.5% |