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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 | $12,195 | $106,008-88.5% | $92,240-86.8% | $147,586-91.7% |
| Participation rate | 95.5% | 80.4%+15.0pp | 76.5%+19.0pp | 82.8%+12.6pp |
| Annual return | 12.49% | 50.05%-37.6pp | 176.29%-163.8pp | 578.59%-566.1pp |
| Employer contribution / active EE | $7,376 | $4,333+70.2% | $3,680+100.5% | $4,876+51.3% |
| Participant deferral / active EE | $1,749 | $4,478-60.9% | $3,897-55.1% | $5,439-67.8% |
| Admin fee / account holder | $2,528 | $6,333-60.1% | $5,194-51.3% | $10,886-76.8% |