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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 | $7,256 | $150,447-95.2% | $136,298-94.7% | $147,586-95.1% |
| Participation rate | 87.5% | 84.4%+3.1pp | 81.9%+5.6pp | 82.8%+4.7pp |
| Annual return | 0.00% | 1049.15%-1049.2pp | 5156.27%-5156.3pp | 578.59%-578.6pp |
| Employer contribution / active EE | $1,379 | $5,256-73.8% | $4,696-70.6% | $4,876-71.7% |
| Participant deferral / active EE | $3,406 | $6,631-48.6% | $6,247-45.5% | $5,439-37.4% |
| Admin fee / account holder | $22,226 | $10,906+103.8% | $9,244+140.4% | $10,886+104.2% |