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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 | $9,837 | $73,978-86.7% | $96,515-89.8% | $75,173-86.9% |
| Participation rate | 77.1% | 66.4%+10.7pp | 74.3%+2.7pp | 67.2%+9.9pp |
| Annual return | 96.58% | 26.72%+69.9pp | 35.73%+60.9pp | 160.72%-64.1pp |
| Employer contribution / active EE | $2,034 | $2,931-30.6% | $3,740-45.6% | $2,671-23.9% |
| Participant deferral / active EE | $3,393 | $3,660-7.3% | $4,880-30.5% | $4,126-17.8% |
| Admin fee / account holder | $640 | $5,219-87.7% | $6,735-90.5% | $5,651-88.7% |