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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 | $17,269 | $70,587-75.5% | $124,693-86.2% | $85,856-79.9% |
| Participation rate | 93.2% | 64.4%+28.8pp | 74.6%+18.6pp | 69.3%+23.9pp |
| Annual return | 15.54% | 20688.83%-20673.3pp | 5144.19%-5128.6pp | 318.58%-303.0pp |
| Employer contribution / active EE | $2,446 | $1,913+27.9% | $3,324-26.4% | $2,565-4.6% |
| Participant deferral / active EE | $3,815 | $2,969+28.5% | $4,615-17.3% | $3,952-3.5% |
| Admin fee / account holder | $1,007 | $5,282-80.9% | $7,494-86.6% | $6,261-83.9% |