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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 | $11,382 | $70,587-83.9% | $124,693-90.9% | $85,847-86.7% |
| Participation rate | 96.9% | 64.4%+32.5pp | 74.6%+22.3pp | 69.3%+27.6pp |
| Annual return | 25741.63% | 20688.83%+5052.8pp | 5144.19%+20597.4pp | 318.61%+25423.0pp |
| Employer contribution / active EE | $10,763 | $1,913+462.5% | $3,324+223.8% | $2,565+319.6% |
| Participant deferral / active EE | $2,891 | $2,969-2.6% | $4,615-37.4% | $3,952-26.9% |
| Admin fee / account holder | $720 | $5,282-86.4% | $7,494-90.4% | $6,261-88.5% |