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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 | $17,498 | $138,072-87.3% | $123,549-85.8% | $135,382-87.1% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -1.84% | 153.69%-155.5pp | 119.20%-121.0pp | 519.77%-521.6pp |
| Employer contribution / active EE | $3,040 | $5,152-41.0% | $4,628-34.3% | $4,779-36.4% |
| Participant deferral / active EE | $8,206 | $6,799+20.7% | $6,426+27.7% | $5,609+46.3% |
| Admin fee / account holder | $1,928 | $10,917-82.3% | $9,284-79.2% | $10,829-82.2% |