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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 | $6,680 | $176,688-96.2% | $130,660-94.9% | $152,909-95.6% |
| Participation rate | 87.5% | 79.0%+8.5pp | 71.7%+15.8pp | 82.5%+5.0pp |
| Annual return | 25.90% | 2693.08%-2667.2pp | 1709.29%-1683.4pp | 345.46%-319.6pp |
| Employer contribution / active EE | $725 | $5,743-87.4% | $4,092-82.3% | $4,764-84.8% |
| Participant deferral / active EE | $1,587 | $4,362-63.6% | $3,603-56.0% | $5,851-72.9% |
| Admin fee / account holder | $473 | $7,131-93.4% | $5,463-91.3% | $11,601-95.9% |