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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 | $12,001 | $85,171-85.9% | $172,753-93.1% | $72,976-83.6% |
| Participation rate | 86.8% | 70.1%+16.8pp | 82.6%+4.2pp | 69.5%+17.4pp |
| Annual return | 28.40% | 27.32%+1.1pp | 803.00%-774.6pp | 81.02%-52.6pp |
| Employer contribution / active EE | $1,476 | $3,324-55.6% | $5,144-71.3% | $2,440-39.5% |
| Participant deferral / active EE | $1,753 | $3,260-46.2% | $5,198-66.3% | $3,608-51.4% |
| Admin fee / account holder | $743 | $5,880-87.4% | $13,956-94.7% | $5,124-85.5% |