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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 | $9,512 | $65,566-85.5% | $86,235-89.0% | $75,177-87.3% |
| Participation rate | 98.4% | 60.5%+37.9pp | 69.0%+29.5pp | 67.2%+31.2pp |
| Annual return | 19.50% | 46.07%-26.6pp | 1170.03%-1150.5pp | 160.75%-141.3pp |
| Employer contribution / active EE | $1,498 | $1,553-3.5% | $2,381-37.1% | $2,671-43.9% |
| Participant deferral / active EE | $1,507 | $3,023-50.1% | $3,987-62.2% | $4,126-63.5% |
| Admin fee / account holder | $1,044 | $5,470-80.9% | $6,856-84.8% | $5,651-81.5% |