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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 | $25,980 | $180,459-85.6% | $154,108-83.1% | $135,380-80.8% |
| Participation rate | 85.0% | 87.4%-2.4pp | 83.0%+2.0pp | 82.6%+2.4pp |
| Annual return | -4.21% | 888.21%-892.4pp | 735.21%-739.4pp | 519.81%-524.0pp |
| Employer contribution / active EE | $4,161 | $6,035-31.1% | $5,298-21.5% | $4,779-12.9% |
| Participant deferral / active EE | $3,857 | $5,806-33.6% | $5,081-24.1% | $5,609-31.2% |
| Admin fee / account holder | $999 | $16,145-93.8% | $13,411-92.6% | $10,828-90.8% |