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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 | $19,963 | $102,393-80.5% | $147,041-86.4% | $80,911-75.3% |
| Participation rate | 82.2% | 75.9%+6.4pp | 82.2%+0.1pp | 67.6%+14.6pp |
| Annual return | 14.82% | 134.95%-120.1pp | 419.21%-404.4pp | 35.63%-20.8pp |
| Employer contribution / active EE | $2,766 | $3,715-25.6% | $4,935-44.0% | $2,756+0.4% |
| Participant deferral / active EE | $6,682 | $6,647+0.5% | $8,071-17.2% | $4,297+55.5% |
| Admin fee / account holder | $5,756 | $7,943-27.5% | $13,006-55.7% | $6,935-17.0% |