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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 | $18,690 | $63,346-70.5% | $92,239-79.7% | $70,124-73.3% |
| Participation rate | 96.4% | 68.7%+27.7pp | 76.5%+19.9pp | 69.5%+26.8pp |
| Annual return | 21.69% | 530.19%-508.5pp | 176.29%-154.6pp | 73.14%-51.5pp |
| Employer contribution / active EE | $1,023 | $2,471-58.6% | $3,680-72.2% | $2,342-56.3% |
| Participant deferral / active EE | $2,564 | $2,854-10.2% | $3,897-34.2% | $3,332-23.0% |
| Admin fee / account holder | $868 | $3,841-77.4% | $5,194-83.3% | $4,645-81.3% |