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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 | $15,343 | $165,399-90.7% | $149,745-89.8% | $158,982-90.3% |
| Participation rate | 84.6% | 84.6%0pp | 82.5%+2.1pp | 82.0%+2.6pp |
| Annual return | 0.00% | 348.34%-348.3pp | 276.72%-276.7pp | 302.99%-303.0pp |
| Employer contribution / active EE | $3,447 | $5,105-32.5% | $4,646-25.8% | $4,763-27.6% |
| Participant deferral / active EE | $8,156 | $7,183+13.6% | $6,843+19.2% | $5,983+36.3% |
| Admin fee / account holder | $752 | $10,811-93.0% | $9,312-91.9% | $11,252-93.3% |