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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 | $8,134 | $63,346-87.2% | $92,240-91.2% | $70,126-88.4% |
| Participation rate | 97.1% | 68.7%+28.4pp | 76.5%+20.6pp | 69.5%+27.5pp |
| Annual return | 15.26% | 530.19%-514.9pp | 176.29%-161.0pp | 73.15%-57.9pp |
| Employer contribution / active EE | $1,511 | $2,471-38.9% | $3,680-58.9% | $2,343-35.5% |
| Participant deferral / active EE | $1,740 | $2,854-39.0% | $3,897-55.3% | $3,332-47.8% |
| Admin fee / account holder | $472 | $3,841-87.7% | $5,194-90.9% | $4,645-89.8% |