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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 | $11,389 | $90,486-87.4% | $78,676-85.5% | $273,972-95.8% |
| Participation rate | 90.0% | 76.5%+13.5pp | 73.6%+16.4pp | 83.0%+7.0pp |
| Annual return | 0.00% | 75.62%-75.6pp | 62.19%-62.2pp | 41.46%-41.5pp |
| Employer contribution / active EE | $4,650 | $3,175+46.5% | $2,850+63.2% | $4,869-4.5% |
| Participant deferral / active EE | $6,514 | $3,901+67.0% | $3,517+85.2% | $5,287+23.2% |
| Admin fee / account holder | $463 | $5,263-91.2% | $4,510-89.7% | $10,133-95.4% |