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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 | $12,951 | $85,171-84.8% | $172,752-92.5% | $72,975-82.3% |
| Participation rate | 89.3% | 70.1%+19.2pp | 82.6%+6.6pp | 69.5%+19.8pp |
| Annual return | 39.76% | 27.32%+12.4pp | 802.97%-763.2pp | 81.01%-41.2pp |
| Employer contribution / active EE | $3,006 | $3,324-9.6% | $5,144-41.6% | $2,440+23.2% |
| Participant deferral / active EE | $1,576 | $3,260-51.7% | $5,198-69.7% | $3,608-56.3% |
| Admin fee / account holder | $1,102 | $5,880-81.3% | $13,955-92.1% | $5,124-78.5% |