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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 | $12,268 | $60,128-79.6% | $90,440-86.4% | $79,852-84.6% |
| Participation rate | 72.5% | 65.0%+7.5pp | 72.7%-0.2pp | 69.6%+2.9pp |
| Annual return | 21.12% | 71.95%-50.8pp | 1294.38%-1273.3pp | 31.72%-10.6pp |
| Employer contribution / active EE | $913 | $2,068-55.8% | $3,263-72.0% | $2,471-63.0% |
| Participant deferral / active EE | $2,633 | $2,939-10.4% | $3,964-33.6% | $3,740-29.6% |
| Admin fee / account holder | $1,275 | $3,977-67.9% | $5,615-77.3% | $5,306-76.0% |