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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 | $27,537 | $101,653-72.9% | $147,080-81.3% | $74,459-63.0% |
| Participation rate | 78.0% | 75.6%+2.4pp | 82.2%-4.2pp | 67.2%+10.8pp |
| Annual return | 27.79% | 8754.98%-8727.2pp | 420.17%-392.4pp | 1369.70%-1341.9pp |
| Employer contribution / active EE | $2,731 | $3,813-28.4% | $4,933-44.6% | $2,626+4.0% |
| Participant deferral / active EE | $5,271 | $7,304-27.8% | $8,066-34.7% | $4,350+21.2% |
| Admin fee / account holder | $9,121 | $1,752+420.8% | $12,989-29.8% | $1,945+369.0% |