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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 | $12,237 | $160,070-92.4% | $147,117-91.7% | $145,897-91.6% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 14.55% | 98.69%-84.1pp | 420.54%-406.0pp | 552.29%-537.7pp |
| Employer contribution / active EE | $2,722 | $5,285-48.5% | $4,932-44.8% | $4,663-41.6% |
| Participant deferral / active EE | $5,126 | $8,419-39.1% | $8,065-36.4% | $6,689-23.4% |
| Admin fee / account holder | $1,747 | $15,035-88.4% | $12,993-86.6% | $13,390-87.0% |