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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 | $10,672 | $175,259-93.9% | $149,723-92.9% | $139,487-92.3% |
| Participation rate | 78.9% | 83.4%-4.4pp | 78.8%+0.2pp | 80.3%-1.4pp |
| Annual return | 47.39% | 166.82%-119.4pp | 134.50%-87.1pp | 373.84%-326.4pp |
| Employer contribution / active EE | $2,108 | $5,478-61.5% | $4,821-56.3% | $4,755-55.7% |
| Participant deferral / active EE | $3,125 | $6,522-52.1% | $5,682-45.0% | $6,713-53.4% |
| Admin fee / account holder | $966 | $16,158-94.0% | $13,215-92.7% | $11,407-91.5% |