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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 | $21,467 | $135,645-84.2% | $110,243-80.5% | $135,380-84.1% |
| Participation rate | 95.2% | 83.5%+11.8pp | 79.8%+15.4pp | 82.6%+12.6pp |
| Annual return | -7.70% | 513.24%-520.9pp | 314.76%-322.5pp | 519.81%-527.5pp |
| Employer contribution / active EE | $2,188 | $4,907-55.4% | $3,827-42.8% | $4,779-54.2% |
| Participant deferral / active EE | $4,797 | $5,507-12.9% | $4,672+2.7% | $5,609-14.5% |
| Admin fee / account holder | $1,706 | $11,458-85.1% | $8,548-80.0% | $10,828-84.2% |