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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 | $29,261 | $100,060-70.8% | $149,721-80.5% | $70,126-58.3% |
| Participation rate | 76.5% | 83.6%-7.1pp | 87.1%-10.6pp | 69.5%+6.9pp |
| Annual return | 16.27% | 27.46%-11.2pp | 1501.67%-1485.4pp | 73.15%-56.9pp |
| Employer contribution / active EE | $0 | $3,661-100.0% | $5,444-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,001 | $4,982-19.7% | $6,568-39.1% | $3,332+20.1% |
| Admin fee / account holder | $1,100 | $8,285-86.7% | $11,282-90.3% | $4,645-76.3% |