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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 | $4,145 | $96,678-95.7% | $86,640-95.2% | $139,466-97.0% |
| Participation rate | 84.2% | 74.4%+9.8pp | 71.7%+12.5pp | 80.3%+3.9pp |
| Annual return | 26.06% | 106.69%-80.6pp | 592.52%-566.5pp | 373.66%-347.6pp |
| Employer contribution / active EE | $0 | $3,265-100.0% | $3,024-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,689 | $4,837-44.4% | $4,438-39.4% | $6,712-59.9% |
| Admin fee / account holder | $667 | $6,410-89.6% | $5,616-88.1% | $11,409-94.2% |