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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 | $16,896 | $180,466-90.6% | $154,114-89.0% | $135,382-87.5% |
| Participation rate | 95.5% | 87.4%+8.0pp | 83.0%+12.4pp | 82.6%+12.8pp |
| Annual return | -7.99% | 888.15%-896.1pp | 735.16%-743.2pp | 519.77%-527.8pp |
| Employer contribution / active EE | $1,491 | $6,035-75.3% | $5,298-71.9% | $4,779-68.8% |
| Participant deferral / active EE | $5,133 | $5,806-11.6% | $5,081+1.0% | $5,609-8.5% |
| Admin fee / account holder | $590 | $16,144-96.3% | $13,411-95.6% | $10,829-94.6% |