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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 | $6,023 | $52,353-88.5% | $120,225-95.0% | $82,448-92.7% |
| Participation rate | 78.0% | 58.3%+19.7pp | 69.6%+8.5pp | 68.1%+10.0pp |
| Annual return | 23.40% | 61.85%-38.4pp | 439.23%-415.8pp | 41.64%-18.2pp |
| Employer contribution / active EE | $680 | $1,510-55.0% | $3,475-80.4% | $2,551-73.4% |
| Participant deferral / active EE | $1,118 | $2,627-57.4% | $3,999-72.0% | $4,139-73.0% |
| Admin fee / account holder | $343 | $4,363-92.1% | $5,696-94.0% | $7,234-95.3% |