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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 | $10,660 | $106,003-89.9% | $92,236-88.4% | $147,585-92.8% |
| Participation rate | 82.6% | 80.4%+2.2pp | 76.5%+6.1pp | 82.8%-0.2pp |
| Annual return | 24.27% | 50.05%-25.8pp | 176.29%-152.0pp | 578.57%-554.3pp |
| Employer contribution / active EE | $1,562 | $4,333-63.9% | $3,679-57.5% | $4,876-68.0% |
| Participant deferral / active EE | $2,956 | $4,478-34.0% | $3,897-24.1% | $5,439-45.7% |
| Admin fee / account holder | $538 | $6,333-91.5% | $5,194-89.6% | $10,885-95.1% |