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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 | $15,108 | $65,555-77.0% | $86,216-82.5% | $75,173-79.9% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 19.85% | 46.07%-26.2pp | 1169.42%-1149.6pp | 160.72%-140.9pp |
| Employer contribution / active EE | $5,946 | $1,553+282.8% | $2,382+149.7% | $2,671+122.6% |
| Participant deferral / active EE | $4,400 | $3,023+45.5% | $3,986+10.4% | $4,126+6.6% |
| Admin fee / account holder | $353 | $5,469-93.6% | $6,853-94.9% | $5,651-93.8% |