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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 | $10,969 | $133,998-91.8% | $112,263-90.2% | $134,545-91.8% |
| Participation rate | 92.9% | 78.6%+14.3pp | 75.1%+17.8pp | 81.2%+11.6pp |
| Annual return | -18.82% | 47.17%-66.0pp | 27.49%-46.3pp | 418.37%-437.2pp |
| Employer contribution / active EE | $5,621 | $4,040+39.1% | $3,636+54.6% | $4,742+18.5% |
| Participant deferral / active EE | $3,450 | $5,292-34.8% | $4,729-27.1% | $6,401-46.1% |
| Admin fee / account holder | $2,173 | $7,493-71.0% | $6,410-66.1% | $11,431-81.0% |