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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 | $19,089 | $168,636-88.7% | $147,618-87.1% | $125,388-84.8% |
| Participation rate | 87.5% | 88.8%-1.3pp | 84.6%+2.9pp | 83.2%+4.3pp |
| Annual return | -0.65% | 77.65%-78.3pp | 61.98%-62.6pp | 282.24%-282.9pp |
| Employer contribution / active EE | $3,338 | $6,252-46.6% | $5,565-40.0% | $4,866-31.4% |
| Participant deferral / active EE | $6,624 | $5,507+20.3% | $4,895+35.3% | $5,352+23.8% |
| Admin fee / account holder | $4,902 | $13,580-63.9% | $11,612-57.8% | $9,541-48.6% |