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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 | $12,052 | $106,524-88.7% | $152,301-92.1% | $87,485-86.2% |
| Participation rate | 86.4% | 75.8%+10.6pp | 82.4%+3.9pp | 68.9%+17.4pp |
| Annual return | 1199.48% | 26.89%+1172.6pp | 80.50%+1119.0pp | 26.06%+1173.4pp |
| Employer contribution / active EE | $2,004 | $3,371-40.6% | $4,624-56.7% | $2,596-22.8% |
| Participant deferral / active EE | $4,215 | $6,525-35.4% | $8,004-47.3% | $4,274-1.4% |
| Admin fee / account holder | $461 | $8,287-94.4% | $14,398-96.8% | $7,775-94.1% |