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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 | $9,874 | $180,462-94.5% | $154,111-93.6% | $135,379-92.7% |
| Participation rate | 90.0% | 87.4%+2.6pp | 83.0%+7.0pp | 82.6%+7.4pp |
| Annual return | -2.74% | 888.17%-890.9pp | 735.18%-737.9pp | 519.79%-522.5pp |
| Employer contribution / active EE | $1,896 | $6,036-68.6% | $5,298-64.2% | $4,779-60.3% |
| Participant deferral / active EE | $2,895 | $5,806-50.1% | $5,081-43.0% | $5,609-48.4% |
| Admin fee / account holder | $2,840 | $16,145-82.4% | $13,411-78.8% | $10,828-73.8% |