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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 | $13,222 | $197,819-93.3% | $155,789-91.5% | $125,389-89.5% |
| Participation rate | 95.0% | 82.1%+12.9pp | 76.1%+18.9pp | 83.2%+11.8pp |
| Annual return | 1.19% | 86.73%-85.5pp | 71.54%-70.3pp | 282.24%-281.1pp |
| Employer contribution / active EE | $9,817 | $4,850+102.4% | $3,839+155.7% | $4,866+101.7% |
| Participant deferral / active EE | $2,086 | $5,631-63.0% | $4,798-56.5% | $5,352-61.0% |
| Admin fee / account holder | $1,232 | $9,544-87.1% | $7,477-83.5% | $9,541-87.1% |