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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 | $7,905 | $121,701-93.5% | $104,639-92.4% | $158,982-95.0% |
| Participation rate | 82.4% | 77.5%+4.8pp | 74.1%+8.3pp | 82.0%+0.4pp |
| Annual return | 46.54% | 465.72%-419.2pp | 340.67%-294.1pp | 302.99%-256.5pp |
| Employer contribution / active EE | $1,630 | $3,165-48.5% | $2,682-39.2% | $4,763-65.8% |
| Participant deferral / active EE | $3,583 | $4,176-14.2% | $3,738-4.1% | $5,983-40.1% |
| Admin fee / account holder | $422 | $7,778-94.6% | $6,465-93.5% | $11,252-96.3% |