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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 | $8,782 | $109,905-92.0% | $98,506-91.1% | $167,553-94.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 15.48% | 1960.20%-1944.7pp | 1494.92%-1479.4pp | 478.89%-463.4pp |
| Employer contribution / active EE | $713 | $3,226-77.9% | $2,961-75.9% | $4,840-85.3% |
| Participant deferral / active EE | $2,038 | $4,674-56.4% | $4,277-52.3% | $6,343-67.9% |
| Admin fee / account holder | $442 | $6,760-93.5% | $5,955-92.6% | $12,316-96.4% |