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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 | $4,932 | $133,981-96.3% | $112,249-95.6% | $134,532-96.3% |
| Participation rate | 95.2% | 78.6%+16.7pp | 75.1%+20.2pp | 81.2%+14.0pp |
| Annual return | -3.72% | 47.16%-50.9pp | 27.48%-31.2pp | 418.27%-422.0pp |
| Employer contribution / active EE | $1,174 | $4,040-70.9% | $3,636-67.7% | $4,741-75.2% |
| Participant deferral / active EE | $3,462 | $5,292-34.6% | $4,729-26.8% | $6,401-45.9% |
| Admin fee / account holder | $612 | $7,492-91.8% | $6,412-90.5% | $11,429-94.6% |