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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 | $21,073 | $102,422-79.4% | $147,117-85.7% | $80,959-74.0% |
| Participation rate | 71.2% | 75.9%-4.6pp | 82.2%-11.0pp | 67.7%+3.6pp |
| Annual return | 14.86% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,147 | $3,717-69.1% | $4,932-76.7% | $2,757-58.4% |
| Participant deferral / active EE | $3,654 | $6,652-45.1% | $8,065-54.7% | $4,300-15.0% |
| Admin fee / account holder | $1,070 | $7,953-86.6% | $12,993-91.8% | $6,925-84.6% |