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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 | $17,209 | $202,342-91.5% | $172,753-90.0% | $152,909-88.7% |
| Participation rate | 91.3% | 87.1%+4.2pp | 82.6%+8.7pp | 82.5%+8.8pp |
| Annual return | 0.00% | 1029.88%-1029.9pp | 803.00%-803.0pp | 345.46%-345.5pp |
| Employer contribution / active EE | $1,872 | $5,857-68.0% | $5,144-63.6% | $4,764-60.7% |
| Participant deferral / active EE | $3,811 | $5,948-35.9% | $5,198-26.7% | $5,851-34.9% |
| Admin fee / account holder | $868 | $17,112-94.9% | $13,956-93.8% | $11,601-92.5% |