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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 | $13,723 | $63,346-78.3% | $92,240-85.1% | $70,126-80.4% |
| Participation rate | 93.3% | 68.7%+24.7pp | 76.5%+16.9pp | 69.5%+23.8pp |
| Annual return | 14.63% | 530.19%-515.6pp | 176.29%-161.7pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,019 | $2,471-58.8% | $3,680-72.3% | $2,343-56.5% |
| Participant deferral / active EE | $2,560 | $2,854-10.3% | $3,897-34.3% | $3,332-23.2% |
| Admin fee / account holder | $718 | $3,841-81.3% | $5,194-86.2% | $4,645-84.5% |