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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 | $14,191 | $66,431-78.6% | $109,916-87.1% | $85,851-83.5% |
| Participation rate | 100.0% | 63.9%+36.1pp | 74.2%+25.8pp | 69.3%+30.7pp |
| Annual return | 113.39% | 19.59%+93.8pp | 29.46%+83.9pp | 318.63%-205.2pp |
| Employer contribution / active EE | $2,396 | $1,688+41.9% | $2,844-15.8% | $2,565-6.6% |
| Participant deferral / active EE | $1,912 | $2,844-32.8% | $4,047-52.8% | $3,952-51.6% |
| Admin fee / account holder | $691 | $4,559-84.8% | $6,069-88.6% | $6,261-89.0% |