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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 | $8,368 | $75,962-89.0% | $154,108-94.6% | $64,173-87.0% |
| Participation rate | 76.7% | 70.4%+6.3pp | 83.0%-6.4pp | 69.6%+7.1pp |
| Annual return | -6.13% | 30.32%-36.5pp | 735.21%-741.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $917 | $3,350-72.6% | $5,298-82.7% | $2,381-61.5% |
| Participant deferral / active EE | $2,291 | $3,175-27.8% | $5,081-54.9% | $3,470-34.0% |
| Admin fee / account holder | $923 | $5,589-83.5% | $13,411-93.1% | $4,887-81.1% |