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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 | $15,439 | $183,516-91.6% | $155,534-90.1% | $145,884-89.4% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 23.69% | 61.43%-37.7pp | 64.92%-41.2pp | 551.85%-528.2pp |
| Employer contribution / active EE | $1,944 | $5,315-63.4% | $4,675-58.4% | $4,662-58.3% |
| Participant deferral / active EE | $5,527 | $6,467-14.5% | $5,630-1.8% | $6,690-17.4% |
| Admin fee / account holder | $1,479 | $19,293-92.3% | $15,900-90.7% | $13,392-89.0% |