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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 | $11,497 | $160,040-92.8% | $147,096-92.2% | $145,877-92.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.71% | 98.49%-86.8pp | 419.75%-408.0pp | 551.28%-539.6pp |
| Employer contribution / active EE | $1,686 | $5,289-68.1% | $4,936-65.8% | $4,663-63.8% |
| Participant deferral / active EE | $3,141 | $8,429-62.7% | $8,071-61.1% | $6,691-53.1% |
| Admin fee / account holder | $435 | $15,050-97.1% | $13,005-96.7% | $13,402-96.8% |