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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 | $10,476 | $55,713-81.2% | $75,901-86.2% | $72,975-85.6% |
| Participation rate | 90.6% | 61.1%+29.5pp | 69.3%+21.3pp | 69.5%+21.1pp |
| Annual return | 57.96% | 27.60%+30.4pp | 30.76%+27.2pp | 81.01%-23.1pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,668 | $2,634+115.2% | $3,603+57.3% | $3,608+57.1% |
| Admin fee / account holder | $310 | $3,980-92.2% | $5,420-94.3% | $5,124-94.0% |