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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 | $15,148 | $102,385-85.2% | $147,080-89.7% | $80,935-81.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 15.99% | 135.09%-119.1pp | 420.17%-404.2pp | 35.66%-19.7pp |
| Employer contribution / active EE | $2,912 | $3,717-21.7% | $4,933-41.0% | $2,757+5.6% |
| Participant deferral / active EE | $3,442 | $6,651-48.2% | $8,066-57.3% | $4,299-19.9% |
| Admin fee / account holder | $1,039 | $7,951-86.9% | $12,989-92.0% | $6,924-85.0% |