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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 | $13,632 | $56,197-75.7% | $67,652-79.8% | $59,633-77.1% |
| Participation rate | 86.4% | 71.5%+14.9pp | 75.7%+10.7pp | 68.7%+17.7pp |
| Annual return | 5.20% | 18508.10%-18502.9pp | 6625.40%-6620.2pp | 2041.45%-2036.3pp |
| Employer contribution / active EE | $1,874 | $1,615+16.0% | $2,266-17.3% | $2,203-14.9% |
| Participant deferral / active EE | $2,953 | $2,844+3.9% | $3,560-17.0% | $3,192-7.5% |
| Admin fee / account holder | $663 | $3,958-83.3% | $4,821-86.3% | $4,297-84.6% |