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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 | $22,659 | $105,210-78.5% | $159,487-85.8% | $85,851-73.6% |
| Participation rate | 97.3% | 75.8%+21.5pp | 82.8%+14.5pp | 69.3%+28.0pp |
| Annual return | 0.00% | 45.08%-45.1pp | 263.71%-263.7pp | 318.63%-318.6pp |
| Employer contribution / active EE | $2,353 | $3,319-29.1% | $4,831-51.3% | $2,565-8.3% |
| Participant deferral / active EE | $5,402 | $5,946-9.1% | $7,354-26.5% | $3,952+36.7% |
| Admin fee / account holder | $2,719 | $6,934-60.8% | $10,804-74.8% | $6,261-56.6% |