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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 | $16,841 | $197,819-91.5% | $155,789-89.2% | $125,389-86.6% |
| Participation rate | 88.2% | 82.1%+6.1pp | 76.1%+12.1pp | 83.2%+5.0pp |
| Annual return | -2.39% | 86.73%-89.1pp | 71.54%-73.9pp | 282.24%-284.6pp |
| Employer contribution / active EE | $1,533 | $4,850-68.4% | $3,839-60.1% | $4,866-68.5% |
| Participant deferral / active EE | $3,154 | $5,631-44.0% | $4,798-34.3% | $5,352-41.1% |
| Admin fee / account holder | $2,492 | $9,544-73.9% | $7,477-66.7% | $9,541-73.9% |