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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 | $12,098 | $58,391-79.3% | $76,657-84.2% | $72,975-83.4% |
| Participation rate | 95.2% | 67.4%+27.8pp | 72.1%+23.1pp | 69.5%+25.7pp |
| Annual return | 17.46% | 2306.65%-2289.2pp | 1166.74%-1149.3pp | 81.01%-63.6pp |
| Employer contribution / active EE | $927 | $1,787-48.1% | $2,303-59.8% | $2,440-62.0% |
| Participant deferral / active EE | $1,044 | $2,690-61.2% | $3,335-68.7% | $3,608-71.1% |
| Admin fee / account holder | $402 | $4,014-90.0% | $6,423-93.7% | $5,124-92.2% |