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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 | $2,941 | $58,311-95.0% | $81,882-96.4% | $80,959-96.4% |
| Participation rate | 93.9% | 63.5%+30.5pp | 72.4%+21.6pp | 67.7%+26.3pp |
| Annual return | 14.84% | 41.85%-27.0pp | 779.47%-764.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $708 | $2,347-69.8% | $2,916-75.7% | $2,757-74.3% |
| Participant deferral / active EE | $770 | $3,287-76.6% | $4,323-82.2% | $4,300-82.1% |
| Admin fee / account holder | $663 | $4,752-86.1% | $7,360-91.0% | $6,925-90.4% |