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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 | $10,215 | $160,040-93.6% | $147,096-93.1% | $145,877-93.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 32.26% | 98.49%-66.2pp | 419.75%-387.5pp | 551.28%-519.0pp |
| Employer contribution / active EE | $5,005 | $5,289-5.4% | $4,936+1.4% | $4,663+7.3% |
| Participant deferral / active EE | $3,728 | $8,429-55.8% | $8,071-53.8% | $6,691-44.3% |
| Admin fee / account holder | $610 | $15,050-95.9% | $13,005-95.3% | $13,402-95.4% |