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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 | $16,464 | $160,059-89.7% | $140,019-88.2% | $135,380-87.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -2.35% | 911.48%-913.8pp | 651.17%-653.5pp | 519.81%-522.2pp |
| Employer contribution / active EE | $11,000 | $6,420+71.4% | $5,605+96.2% | $4,779+130.2% |
| Participant deferral / active EE | $13,000 | $7,641+70.1% | $6,927+87.7% | $5,609+131.8% |
| Admin fee / account holder | $7,270 | $13,328-45.5% | $10,705-32.1% | $10,828-32.9% |