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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 | $10,809 | $69,515-84.5% | $86,868-87.6% | $85,856-87.4% |
| Participation rate | 81.1% | 66.3%+14.8pp | 71.6%+9.4pp | 69.3%+11.8pp |
| Annual return | 14.21% | 20.12%-5.9pp | 63.53%-49.3pp | 318.58%-304.4pp |
| Employer contribution / active EE | $687 | $1,880-63.5% | $2,496-72.5% | $2,565-73.2% |
| Participant deferral / active EE | $2,246 | $2,919-23.1% | $3,699-39.3% | $3,952-43.2% |
| Admin fee / account holder | $847 | $5,972-85.8% | $5,829-85.5% | $6,261-86.5% |