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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 | $3,013 | $56,063-94.6% | $76,051-96.0% | $80,911-96.3% |
| Participation rate | 82.5% | 62.0%+20.4pp | 69.1%+13.4pp | 67.6%+14.8pp |
| Annual return | 21.30% | 20.54%+0.8pp | 360.42%-339.1pp | 35.63%-14.3pp |
| Employer contribution / active EE | $669 | $1,874-64.3% | $2,690-75.1% | $2,756-75.7% |
| Participant deferral / active EE | $1,727 | $3,052-43.4% | $4,257-59.4% | $4,297-59.8% |
| Admin fee / account holder | $1,065 | $5,240-79.7% | $6,416-83.4% | $6,935-84.6% |