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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 | $9,405 | $138,114-93.2% | $125,391-92.5% | $134,545-93.0% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -19.64% | 750.88%-770.5pp | 572.41%-592.0pp | 418.37%-438.0pp |
| Employer contribution / active EE | $1,537 | $5,246-70.7% | $4,816-68.1% | $4,742-67.6% |
| Participant deferral / active EE | $4,171 | $7,801-46.5% | $7,448-44.0% | $6,401-34.8% |
| Admin fee / account holder | $932 | $11,570-91.9% | $10,009-90.7% | $11,431-91.8% |