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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 | $13,879 | $65,555-78.8% | $86,216-83.9% | $75,173-81.5% |
| Participation rate | 72.5% | 60.5%+12.0pp | 69.0%+3.5pp | 67.2%+5.3pp |
| Annual return | 43.35% | 46.07%-2.7pp | 1169.42%-1126.1pp | 160.72%-117.4pp |
| Employer contribution / active EE | $2,206 | $1,553+42.0% | $2,382-7.4% | $2,671-17.4% |
| Participant deferral / active EE | $4,122 | $3,023+36.3% | $3,986+3.4% | $4,126-0.1% |
| Admin fee / account holder | $843 | $5,469-84.6% | $6,853-87.7% | $5,651-85.1% |