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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 | $6,240 | $133,998-95.3% | $112,263-94.4% | $134,545-95.4% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.1%+12.4pp | 81.2%+6.3pp |
| Annual return | 0.00% | 47.17%-47.2pp | 27.49%-27.5pp | 418.37%-418.4pp |
| Employer contribution / active EE | $1,517 | $4,040-62.5% | $3,636-58.3% | $4,742-68.0% |
| Participant deferral / active EE | $4,172 | $5,292-21.2% | $4,729-11.8% | $6,401-34.8% |
| Admin fee / account holder | $574 | $7,493-92.3% | $6,410-91.0% | $11,431-95.0% |