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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 | $6,413 | $103,038-93.8% | $90,324-92.9% | $152,909-95.8% |
| Participation rate | 78.3% | 75.9%+2.4pp | 73.3%+5.0pp | 82.5%-4.2pp |
| Annual return | 0.00% | 95.25%-95.3pp | 78.15%-78.1pp | 345.46%-345.5pp |
| Employer contribution / active EE | $850 | $3,141-72.9% | $2,856-70.2% | $4,764-82.2% |
| Participant deferral / active EE | $1,216 | $4,282-71.6% | $3,885-68.7% | $5,851-79.2% |
| Admin fee / account holder | $5,533 | $6,177-10.4% | $5,356+3.3% | $11,601-52.3% |