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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 | $20,386 | $102,385-80.1% | $147,080-86.1% | $80,935-74.8% |
| Participation rate | 98.6% | 75.9%+22.8pp | 82.2%+16.5pp | 67.7%+31.0pp |
| Annual return | 18.07% | 135.09%-117.0pp | 420.17%-402.1pp | 35.66%-17.6pp |
| Employer contribution / active EE | $1,402 | $3,717-62.3% | $4,933-71.6% | $2,757-49.1% |
| Participant deferral / active EE | $3,282 | $6,651-50.6% | $8,066-59.3% | $4,299-23.7% |
| Admin fee / account holder | $1,039 | $7,951-86.9% | $12,989-92.0% | $6,924-85.0% |