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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 | $15,043 | $157,296-90.4% | $141,191-89.3% | $152,897-90.2% |
| Participation rate | 70.0% | 84.8%-14.8pp | 82.5%-12.5pp | 82.5%-12.5pp |
| Annual return | 0.00% | 64.34%-64.3pp | 71.41%-71.4pp | 345.43%-345.4pp |
| Employer contribution / active EE | $6,158 | $5,262+17.0% | $4,736+30.0% | $4,764+29.3% |
| Participant deferral / active EE | $5,694 | $7,111-19.9% | $6,710-15.1% | $5,851-2.7% |
| Admin fee / account holder | $302 | $12,125-97.5% | $10,264-97.1% | $11,599-97.4% |