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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 | $4,579 | $97,729-95.3% | $83,830-94.5% | $135,379-96.6% |
| Participation rate | 86.4% | 80.0%+6.4pp | 76.1%+10.2pp | 82.6%+3.7pp |
| Annual return | 6.31% | 1287.52%-1281.2pp | 850.97%-844.7pp | 519.79%-513.5pp |
| Employer contribution / active EE | $1,310 | $4,222-69.0% | $3,631-63.9% | $4,779-72.6% |
| Participant deferral / active EE | $2,105 | $4,683-55.0% | $4,082-48.4% | $5,609-62.5% |
| Admin fee / account holder | $1,027 | $6,674-84.6% | $5,479-81.2% | $10,828-90.5% |