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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 | $5,924 | $90,606-93.5% | $79,466-92.5% | $135,379-95.6% |
| Participation rate | 94.4% | 76.0%+18.4pp | 73.3%+21.1pp | 82.6%+11.8pp |
| Annual return | -8.42% | 977.69%-986.1pp | 718.28%-726.7pp | 519.79%-528.2pp |
| Employer contribution / active EE | $2,742 | $3,068-10.6% | $2,800-2.1% | $4,779-42.6% |
| Participant deferral / active EE | $4,027 | $4,050-0.6% | $3,704+8.7% | $5,609-28.2% |
| Admin fee / account holder | $1,233 | $5,895-79.1% | $5,104-75.8% | $10,828-88.6% |