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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 | $21,593 | $162,812-86.7% | $133,971-83.9% | $158,966-86.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 157.62% | 41.94%+115.7pp | 45.09%+112.5pp | 302.95%-145.3pp |
| Employer contribution / active EE | $25,403 | $4,976+410.5% | $3,919+548.2% | $4,762+433.4% |
| Participant deferral / active EE | $6,894 | $5,910+16.6% | $5,047+36.6% | $5,983+15.2% |
| Admin fee / account holder | $6,998 | $11,741-40.4% | $8,929-21.6% | $11,250-37.8% |