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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 | $16,945 | $150,447-88.7% | $136,298-87.6% | $147,586-88.5% |
| Participation rate | 76.2% | 84.4%-8.2pp | 81.9%-5.7pp | 82.8%-6.6pp |
| Annual return | 14.20% | 1049.15%-1035.0pp | 5156.27%-5142.1pp | 578.59%-564.4pp |
| Employer contribution / active EE | $1,322 | $5,256-74.8% | $4,696-71.8% | $4,876-72.9% |
| Participant deferral / active EE | $2,462 | $6,631-62.9% | $6,247-60.6% | $5,439-54.7% |
| Admin fee / account holder | $650 | $10,906-94.0% | $9,244-93.0% | $10,886-94.0% |