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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 | $9,668 | $121,656-92.1% | $104,614-90.8% | $158,950-93.9% |
| Participation rate | 91.7% | 77.5%+14.1pp | 74.1%+17.6pp | 82.0%+9.7pp |
| Annual return | 40.76% | 465.51%-424.8pp | 340.56%-299.8pp | 302.91%-262.1pp |
| Employer contribution / active EE | $2,641 | $3,164-16.5% | $2,681-1.5% | $4,762-44.5% |
| Participant deferral / active EE | $3,262 | $4,177-21.9% | $3,739-12.8% | $5,983-45.5% |
| Admin fee / account holder | $755 | $7,775-90.3% | $6,464-88.3% | $11,248-93.3% |