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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 | $4,661 | $110,278-95.8% | $95,740-95.1% | $139,466-96.7% |
| Participation rate | 92.9% | 75.7%+17.1pp | 72.3%+20.6pp | 80.3%+12.5pp |
| Annual return | 89.18% | 27.19%+62.0pp | 28.41%+60.8pp | 373.66%-284.5pp |
| Employer contribution / active EE | $1,943 | $3,260-40.4% | $2,836-31.5% | $4,754-59.1% |
| Participant deferral / active EE | $4,316 | $4,674-7.7% | $4,244+1.7% | $6,712-35.7% |
| Admin fee / account holder | $817 | $6,613-87.6% | $5,676-85.6% | $11,409-92.8% |