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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 | $13,205 | $138,114-90.4% | $125,391-89.5% | $134,545-90.2% |
| Participation rate | 87.5% | 84.5%+3.0pp | 82.4%+5.1pp | 81.2%+6.3pp |
| Annual return | -16.15% | 750.88%-767.0pp | 572.41%-588.6pp | 418.37%-434.5pp |
| Employer contribution / active EE | $1,946 | $5,246-62.9% | $4,816-59.6% | $4,742-59.0% |
| Participant deferral / active EE | $5,983 | $7,801-23.3% | $7,448-19.7% | $6,401-6.5% |
| Admin fee / account holder | $5,531 | $11,570-52.2% | $10,009-44.7% | $11,431-51.6% |