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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 | $2,761 | $53,063-94.8% | $124,206-97.8% | $82,637-96.7% |
| Participation rate | 75.6% | 58.4%+17.2pp | 69.6%+6.0pp | 68.1%+7.6pp |
| Annual return | 21.45% | 68.87%-47.4pp | 515.27%-493.8pp | 53.51%-32.1pp |
| Employer contribution / active EE | $840 | $1,530-45.1% | $3,540-76.3% | $2,552-67.1% |
| Participant deferral / active EE | $1,111 | $2,644-58.0% | $3,968-72.0% | $4,126-73.1% |
| Admin fee / account holder | $478 | $4,281-88.8% | $5,929-91.9% | $7,339-93.5% |