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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 | $17,876 | $112,915-84.2% | $90,965-80.3% | $158,950-88.8% |
| Participation rate | 92.9% | 74.7%+18.1pp | 69.0%+23.8pp | 82.0%+10.9pp |
| Annual return | 5.41% | 215.75%-210.3pp | 134.57%-129.2pp | 302.91%-297.5pp |
| Employer contribution / active EE | $0 | $2,894-100.0% | $2,122-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,001 | $4,128-75.8% | $3,373-70.3% | $5,983-83.3% |
| Admin fee / account holder | $2,741 | $8,044-65.9% | $5,960-54.0% | $11,248-75.6% |