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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 | $6,180 | $100,911-93.9% | $90,440-93.2% | $158,966-96.1% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 29.12% | 1726.62%-1697.5pp | 1294.38%-1265.3pp | 302.95%-273.8pp |
| Employer contribution / active EE | $2,069 | $3,690-43.9% | $3,263-36.6% | $4,762-56.6% |
| Participant deferral / active EE | $3,412 | $4,348-21.5% | $3,964-13.9% | $5,983-43.0% |
| Admin fee / account holder | $555 | $6,507-91.5% | $5,615-90.1% | $11,250-95.1% |