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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 | $11,048 | $82,678-86.6% | $125,391-91.2% | $68,490-83.9% |
| Participation rate | 97.1% | 75.1%+22.0pp | 82.4%+14.7pp | 67.9%+29.2pp |
| Annual return | 0.00% | -5.97%+6.0pp | 572.41%-572.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $4,069 | $3,382+20.3% | $4,816-15.5% | $2,597+56.7% |
| Participant deferral / active EE | $8,252 | $6,111+35.0% | $7,448+10.8% | $4,028+104.9% |
| Admin fee / account holder | $555 | $6,277-91.2% | $10,009-94.5% | $5,403-89.7% |