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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 | $21,226 | $99,079-78.6% | $78,002-72.8% | $273,972-92.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | 3.93% | 217.93%-214.0pp | 425.99%-422.1pp | 41.46%-37.5pp |
| Employer contribution / active EE | $3,571 | $3,308+8.0% | $2,470+44.6% | $4,869-26.7% |
| Participant deferral / active EE | $1,355 | $4,306-68.5% | $3,497-61.2% | $5,287-74.4% |
| Admin fee / account holder | $431 | $8,954-95.2% | $5,481-92.1% | $10,133-95.7% |