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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 | $24,091 | $131,835-81.7% | $108,582-77.8% | $273,972-91.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 122.64% | -91.57%+214.2pp | -51.70%+174.3pp | 41.46%+81.2pp |
| Employer contribution / active EE | $2,288 | $4,913-53.4% | $3,758-39.1% | $4,869-53.0% |
| Participant deferral / active EE | $6,354 | $5,127+23.9% | $4,311+47.4% | $5,287+20.2% |
| Admin fee / account holder | $1,057 | $10,253-89.7% | $7,645-86.2% | $10,133-89.6% |