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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 | $17,750 | $68,394-74.0% | $94,672-81.3% | $75,177-76.4% |
| Participation rate | 91.4% | 76.1%+15.4pp | 80.8%+10.6pp | 67.2%+24.2pp |
| Annual return | 23.17% | 616.92%-593.8pp | 156.89%-133.7pp | 160.75%-137.6pp |
| Employer contribution / active EE | $877 | $2,701-67.5% | $3,673-76.1% | $2,671-67.2% |
| Participant deferral / active EE | $7,028 | $6,536+7.5% | $7,417-5.2% | $4,126+70.3% |
| Admin fee / account holder | $583 | $5,326-89.1% | $7,222-91.9% | $5,651-89.7% |