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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 | $14,692 | $102,393-85.7% | $147,041-90.0% | $80,911-81.8% |
| Participation rate | 81.5% | 75.9%+5.7pp | 82.2%-0.6pp | 67.6%+13.9pp |
| Annual return | 16.29% | 134.95%-118.7pp | 419.21%-402.9pp | 35.63%-19.3pp |
| Employer contribution / active EE | $2,155 | $3,715-42.0% | $4,935-56.3% | $2,756-21.8% |
| Participant deferral / active EE | $3,617 | $6,647-45.6% | $8,071-55.2% | $4,297-15.8% |
| Admin fee / account holder | $404 | $7,943-94.9% | $13,006-96.9% | $6,935-94.2% |