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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 | $13,294 | $102,382-87.0% | $147,005-91.0% | $80,874-83.6% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.2%-7.2pp | 67.6%+7.4pp |
| Annual return | 14.88% | 134.89%-120.0pp | 418.76%-403.9pp | 35.62%-20.7pp |
| Employer contribution / active EE | $2,525 | $3,715-32.0% | $4,934-48.8% | $2,756-8.4% |
| Participant deferral / active EE | $3,104 | $6,646-53.3% | $8,070-61.5% | $4,297-27.8% |
| Admin fee / account holder | $1,778 | $7,942-77.6% | $13,006-86.3% | $6,935-74.4% |