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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 | $8,939 | $106,008-91.6% | $92,240-90.3% | $147,586-93.9% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 12.75% | 50.05%-37.3pp | 176.29%-163.5pp | 578.59%-565.8pp |
| Employer contribution / active EE | $15,008 | $4,333+246.3% | $3,680+307.9% | $4,876+207.8% |
| Participant deferral / active EE | $1,441 | $4,478-67.8% | $3,897-63.0% | $5,439-73.5% |
| Admin fee / account holder | $2,711 | $6,333-57.2% | $5,194-47.8% | $10,886-75.1% |