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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 | $24,521 | $102,393-76.1% | $147,041-83.3% | $80,911-69.7% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 81.26% | 134.95%-53.7pp | 419.21%-337.9pp | 35.63%+45.6pp |
| Employer contribution / active EE | $6,056 | $3,715+63.0% | $4,935+22.7% | $2,756+119.8% |
| Participant deferral / active EE | $4,826 | $6,647-27.4% | $8,071-40.2% | $4,297+12.3% |
| Admin fee / account holder | $334 | $7,943-95.8% | $13,006-97.4% | $6,935-95.2% |