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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 | $11,399 | $176,688-93.5% | $130,660-91.3% | $152,909-92.5% |
| Participation rate | 71.4% | 79.0%-7.5pp | 71.7%-0.3pp | 82.5%-11.0pp |
| Annual return | 33.41% | 2693.08%-2659.7pp | 1709.29%-1675.9pp | 345.46%-312.1pp |
| Employer contribution / active EE | $734 | $5,743-87.2% | $4,092-82.1% | $4,764-84.6% |
| Participant deferral / active EE | $2,977 | $4,362-31.8% | $3,603-17.4% | $5,851-49.1% |
| Admin fee / account holder | $316 | $7,131-95.6% | $5,463-94.2% | $11,601-97.3% |