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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 | $21,912 | $98,776-77.8% | $149,745-85.4% | $79,856-72.6% |
| Participation rate | 97.0% | 75.8%+21.2pp | 82.5%+14.5pp | 69.6%+27.3pp |
| Annual return | 55.03% | 27.38%+27.7pp | 276.72%-221.7pp | 31.71%+23.3pp |
| Employer contribution / active EE | $1,537 | $3,217-52.2% | $4,646-66.9% | $2,471-37.8% |
| Participant deferral / active EE | $2,586 | $5,681-54.5% | $6,843-62.2% | $3,741-30.9% |
| Admin fee / account holder | $4,054 | $6,053-33.0% | $9,312-56.5% | $5,306-23.6% |