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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 | $4,754 | $160,070-97.0% | $147,117-96.8% | $145,897-96.7% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 12.32% | 98.69%-86.4pp | 420.54%-408.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $1,971 | $5,285-62.7% | $4,932-60.0% | $4,663-57.7% |
| Participant deferral / active EE | $2,776 | $8,419-67.0% | $8,065-65.6% | $6,689-58.5% |
| Admin fee / account holder | $905 | $15,035-94.0% | $12,993-93.0% | $13,390-93.2% |