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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 | $11,945 | $73,546-83.8% | $63,018-81.0% | $147,586-91.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.8%+25.2pp | 82.8%+17.2pp |
| Annual return | 13.48% | 175.56%-162.1pp | 87.62%-74.1pp | 578.59%-565.1pp |
| Employer contribution / active EE | $3,106 | $3,324-6.6% | $2,761+12.5% | $4,876-36.3% |
| Participant deferral / active EE | $3,747 | $4,185-10.5% | $3,330+12.5% | $5,439-31.1% |
| Admin fee / account holder | $797 | $5,956-86.6% | $3,601-77.9% | $10,886-92.7% |