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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 | $35,173 | $203,436-82.7% | $152,466-76.9% | $167,518-79.0% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.2%+21.8pp | 82.1%+17.9pp |
| Annual return | 13.31% | 13.80%-0.5pp | 757.33%-744.0pp | 478.71%-465.4pp |
| Employer contribution / active EE | $6,494 | $5,220+24.4% | $4,327+50.1% | $4,838+34.2% |
| Participant deferral / active EE | $6,794 | $6,716+1.2% | $5,820+16.7% | $6,342+7.1% |
| Admin fee / account holder | $459 | $22,506-98.0% | $15,805-97.1% | $12,312-96.3% |