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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 | $7,344 | $154,209-95.2% | $130,062-94.4% | $139,487-94.7% |
| Participation rate | 81.3% | 82.0%-0.7pp | 78.5%+2.7pp | 80.3%+0.9pp |
| Annual return | 46.91% | 32.52%+14.4pp | -137.37%+184.3pp | 373.84%-326.9pp |
| Employer contribution / active EE | $1,561 | $5,292-70.5% | $4,322-63.9% | $4,755-67.2% |
| Participant deferral / active EE | $3,460 | $6,709-48.4% | $5,821-40.6% | $6,713-48.5% |
| Admin fee / account holder | $345 | $13,988-97.5% | $10,601-96.7% | $11,407-97.0% |