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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 | $22,727 | $80,992-71.9% | $96,534-76.5% | $75,173-69.8% |
| Participation rate | 86.7% | 71.8%+14.9pp | 76.0%+10.7pp | 67.2%+19.5pp |
| Annual return | 45.59% | 27.05%+18.5pp | 25.88%+19.7pp | 160.72%-115.1pp |
| Employer contribution / active EE | $4,403 | $2,283+92.9% | $2,965+48.5% | $2,671+64.8% |
| Participant deferral / active EE | $8,111 | $3,929+106.4% | $4,851+67.2% | $4,126+96.6% |
| Admin fee / account holder | $902 | $6,717-86.6% | $8,253-89.1% | $5,651-84.0% |