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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 | $9,964 | $106,280-90.6% | $96,538-89.7% | $139,487-92.9% |
| Participation rate | 87.5% | 77.8%+9.7pp | 74.3%+13.2pp | 80.3%+7.2pp |
| Annual return | 72.11% | 38.48%+33.6pp | 35.74%+36.4pp | 373.84%-301.7pp |
| Employer contribution / active EE | $2,545 | $4,107-38.0% | $3,740-32.0% | $4,755-46.5% |
| Participant deferral / active EE | $6,061 | $5,457+11.1% | $4,880+24.2% | $6,713-9.7% |
| Admin fee / account holder | $662 | $7,888-91.6% | $6,737-90.2% | $11,407-94.2% |