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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 | $7,485 | $48,314-84.5% | $67,561-88.9% | $80,925-90.8% |
| Participation rate | 92.9% | 66.4%+26.5pp | 72.9%+20.0pp | 67.7%+25.2pp |
| Annual return | 25.15% | 18.28%+6.9pp | 3525.44%-3500.3pp | 35.65%-10.5pp |
| Employer contribution / active EE | $721 | $2,022-64.4% | $2,735-73.7% | $2,756-73.9% |
| Participant deferral / active EE | $937 | $2,927-68.0% | $4,003-76.6% | $4,299-78.2% |
| Admin fee / account holder | $404 | $3,690-89.0% | $4,006-89.9% | $6,940-94.2% |