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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 | $9,236 | $75,962-87.8% | $154,111-94.0% | $64,173-85.6% |
| Participation rate | 84.5% | 70.4%+14.1pp | 83.0%+1.5pp | 69.6%+15.0pp |
| Annual return | 36.86% | 30.32%+6.5pp | 735.18%-698.3pp | 7.63%+29.2pp |
| Employer contribution / active EE | $1,369 | $3,350-59.1% | $5,298-74.2% | $2,381-42.5% |
| Participant deferral / active EE | $2,442 | $3,175-23.1% | $5,081-51.9% | $3,470-29.6% |
| Admin fee / account holder | $370 | $5,589-93.4% | $13,411-97.2% | $4,887-92.4% |