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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 | $29,788 | $209,422-85.8% | $178,503-83.3% | $158,982-81.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 25.13% | 188.81%-163.7pp | 151.12%-126.0pp | 302.99%-277.9pp |
| Employer contribution / active EE | $9,528 | $5,707+67.0% | $5,011+90.1% | $4,763+100.1% |
| Participant deferral / active EE | $4,164 | $5,955-30.1% | $5,202-20.0% | $5,983-30.4% |
| Admin fee / account holder | $332 | $17,079-98.1% | $13,987-97.6% | $11,252-97.0% |