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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 | $10,664 | $84,684-87.4% | $73,835-85.6% | $125,388-91.5% |
| Participation rate | 81.0% | 76.8%+4.2pp | 73.4%+7.5pp | 83.2%-2.2pp |
| Annual return | 0.08% | 3123.93%-3123.9pp | 2268.13%-2268.0pp | 282.24%-282.2pp |
| Employer contribution / active EE | $1,462 | $3,123-53.2% | $2,788-47.6% | $4,866-70.0% |
| Participant deferral / active EE | $2,923 | $3,993-26.8% | $3,583-18.4% | $5,352-45.4% |
| Admin fee / account holder | $558 | $5,691-90.2% | $4,880-88.6% | $9,541-94.1% |