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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 | $18,316 | $102,422-82.1% | $147,117-87.5% | $80,959-77.4% |
| Participation rate | 70.6% | 75.9%-5.3pp | 82.2%-11.6pp | 67.7%+2.9pp |
| Annual return | 14.98% | 135.16%-120.2pp | 420.54%-405.6pp | 35.67%-20.7pp |
| Employer contribution / active EE | $2,443 | $3,717-34.3% | $4,932-50.5% | $2,757-11.4% |
| Participant deferral / active EE | $4,218 | $6,652-36.6% | $8,065-47.7% | $4,300-1.9% |
| Admin fee / account holder | $349 | $7,953-95.6% | $12,993-97.3% | $6,925-95.0% |