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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 | $18,370 | $93,598-80.4% | $135,974-86.5% | $75,173-75.6% |
| Participation rate | 90.9% | 75.2%+15.7pp | 81.9%+9.0pp | 67.2%+23.7pp |
| Annual return | 67.30% | 30.89%+36.4pp | 68.30%-1.0pp | 160.72%-93.4pp |
| Employer contribution / active EE | $807 | $3,538-77.2% | $4,859-83.4% | $2,671-69.8% |
| Participant deferral / active EE | $4,608 | $6,405-28.1% | $7,760-40.6% | $4,126+11.7% |
| Admin fee / account holder | $396 | $6,978-94.3% | $10,767-96.3% | $5,651-93.0% |