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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 | $12,449 | $166,268-92.5% | $165,100-92.5% | $145,897-91.5% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.6%+4.7pp | 80.3%+3.0pp |
| Annual return | 12.43% | 100.52%-88.1pp | 70.21%-57.8pp | 552.29%-539.9pp |
| Employer contribution / active EE | $2,212 | $5,284-58.1% | $4,348-49.1% | $4,663-52.6% |
| Participant deferral / active EE | $2,315 | $6,964-66.8% | $6,035-61.6% | $6,689-65.4% |
| Admin fee / account holder | $1,503 | $16,659-91.0% | $12,696-88.2% | $13,390-88.8% |