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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 | $6,162 | $39,798-84.5% | $67,704-90.9% | $59,633-89.7% |
| Participation rate | 89.7% | 57.4%+32.4pp | 67.5%+22.2pp | 68.7%+21.1pp |
| Annual return | -0.31% | 89.94%-90.2pp | 25.41%-25.7pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $649 | $1,393-53.4% | $2,559-74.6% | $2,203-70.5% |
| Participant deferral / active EE | $1,898 | $2,335-18.7% | $3,585-47.1% | $3,192-40.5% |
| Admin fee / account holder | $1,326 | $3,212-58.7% | $4,255-68.8% | $4,297-69.1% |