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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 | $16,259 | $157,304-89.7% | $141,197-88.5% | $152,909-89.4% |
| Participation rate | 77.3% | 84.8%-7.6pp | 82.5%-5.2pp | 82.5%-5.2pp |
| Annual return | 0.00% | 64.34%-64.3pp | 71.41%-71.4pp | 345.46%-345.5pp |
| Employer contribution / active EE | $4,213 | $5,263-19.9% | $4,736-11.0% | $4,764-11.6% |
| Participant deferral / active EE | $7,310 | $7,111+2.8% | $6,710+8.9% | $5,851+24.9% |
| Admin fee / account holder | $992 | $12,126-91.8% | $10,265-90.3% | $11,601-91.4% |