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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 | $15,514 | $107,353-85.5% | $92,903-83.3% | $152,885-89.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 13.42% | 145.62%-132.2pp | 109.43%-96.0pp | 345.39%-332.0pp |
| Employer contribution / active EE | $1,029 | $4,222-75.6% | $3,653-71.8% | $4,763-78.4% |
| Participant deferral / active EE | $2,032 | $4,848-58.1% | $4,238-52.1% | $5,851-65.3% |
| Admin fee / account holder | $501 | $7,081-92.9% | $5,795-91.3% | $11,598-95.7% |