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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 | $14,853 | $65,566-77.3% | $86,235-82.8% | $75,177-80.2% |
| Participation rate | 98.3% | 60.5%+37.8pp | 69.0%+29.3pp | 67.2%+31.1pp |
| Annual return | 18.80% | 46.07%-27.3pp | 1170.03%-1151.2pp | 160.75%-141.9pp |
| Employer contribution / active EE | $1,012 | $1,553-34.8% | $2,381-57.5% | $2,671-62.1% |
| Participant deferral / active EE | $1,950 | $3,023-35.5% | $3,987-51.1% | $4,126-52.7% |
| Admin fee / account holder | $648 | $5,470-88.2% | $6,856-90.5% | $5,651-88.5% |