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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 | $15,874 | $160,028-90.1% | $147,080-89.2% | $145,884-89.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.80% | 98.60%-85.8pp | 420.17%-407.4pp | 551.85%-539.0pp |
| Employer contribution / active EE | $2,808 | $5,286-46.9% | $4,933-43.1% | $4,662-39.8% |
| Participant deferral / active EE | $3,664 | $8,422-56.5% | $8,066-54.6% | $6,690-45.2% |
| Admin fee / account holder | $528 | $15,030-96.5% | $12,989-95.9% | $13,392-96.1% |