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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 | $7,198 | $81,358-91.2% | $155,556-95.4% | $80,959-91.1% |
| Participation rate | 85.2% | 66.3%+18.9pp | 78.2%+7.0pp | 67.7%+17.5pp |
| Annual return | 16293.02% | 33.39%+16259.6pp | 64.84%+16228.2pp | 35.67%+16257.4pp |
| Employer contribution / active EE | $2,992 | $3,106-3.7% | $4,675-36.0% | $2,757+8.5% |
| Participant deferral / active EE | $5,833 | $3,455+68.8% | $5,631+3.6% | $4,300+35.6% |
| Admin fee / account holder | $1,086 | $7,994-86.4% | $15,885-93.2% | $6,925-84.3% |