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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 | $13,071 | $106,008-87.7% | $92,240-85.8% | $147,586-91.1% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 34.00% | 50.05%-16.1pp | 176.29%-142.3pp | 578.59%-544.6pp |
| Employer contribution / active EE | $3,020 | $4,333-30.3% | $3,680-17.9% | $4,876-38.1% |
| Participant deferral / active EE | $8,130 | $4,478+81.5% | $3,897+108.6% | $5,439+49.5% |
| Admin fee / account holder | $598 | $6,333-90.6% | $5,194-88.5% | $10,886-94.5% |