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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 | $11,849 | $150,447-92.1% | $136,298-91.3% | $147,586-92.0% |
| Participation rate | 95.7% | 84.4%+11.2pp | 81.9%+13.7pp | 82.8%+12.8pp |
| Annual return | 20.36% | 1049.15%-1028.8pp | 5156.27%-5135.9pp | 578.59%-558.2pp |
| Employer contribution / active EE | $1,156 | $5,256-78.0% | $4,696-75.4% | $4,876-76.3% |
| Participant deferral / active EE | $3,489 | $6,631-47.4% | $6,247-44.1% | $5,439-35.8% |
| Admin fee / account holder | $343 | $10,906-96.9% | $9,244-96.3% | $10,886-96.9% |