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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 | $16,842 | $65,566-74.3% | $86,235-80.5% | $75,177-77.6% |
| Participation rate | 97.1% | 60.5%+36.7pp | 69.0%+28.2pp | 67.2%+29.9pp |
| Annual return | 15.50% | 46.07%-30.6pp | 1170.03%-1154.5pp | 160.75%-145.2pp |
| Employer contribution / active EE | $1,190 | $1,553-23.4% | $2,381-50.0% | $2,671-55.5% |
| Participant deferral / active EE | $1,469 | $3,023-51.4% | $3,987-63.2% | $4,126-64.4% |
| Admin fee / account holder | $1,798 | $5,470-67.1% | $6,856-73.8% | $5,651-68.2% |