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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 | $19,909 | $209,422-90.5% | $178,503-88.8% | $158,982-87.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 29.22% | 188.81%-159.6pp | 151.12%-121.9pp | 302.99%-273.8pp |
| Employer contribution / active EE | $13,544 | $5,707+137.3% | $5,011+170.3% | $4,763+184.4% |
| Participant deferral / active EE | $10,554 | $5,955+77.2% | $5,202+102.9% | $5,983+76.4% |
| Admin fee / account holder | $523 | $17,079-96.9% | $13,987-96.3% | $11,252-95.4% |