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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 | $5,081 | $100,203-94.9% | $85,240-94.0% | $145,897-96.5% |
| Participation rate | 71.4% | 74.1%-2.7pp | 67.5%+3.9pp | 80.3%-8.9pp |
| Annual return | 11.61% | 84.28%-72.7pp | 66.75%-55.1pp | 552.29%-540.7pp |
| Employer contribution / active EE | $841 | $3,242-74.1% | $2,735-69.2% | $4,663-82.0% |
| Participant deferral / active EE | $968 | $5,299-81.7% | $4,527-78.6% | $6,689-85.5% |
| Admin fee / account holder | $2,289 | $7,265-68.5% | $6,165-62.9% | $13,390-82.9% |