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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 | $17,785 | $150,447-88.2% | $136,298-87.0% | $147,586-87.9% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 37.57% | 1049.15%-1011.6pp | 5156.27%-5118.7pp | 578.59%-541.0pp |
| Employer contribution / active EE | $5,048 | $5,256-4.0% | $4,696+7.5% | $4,876+3.5% |
| Participant deferral / active EE | $2,319 | $6,631-65.0% | $6,247-62.9% | $5,439-57.4% |
| Admin fee / account holder | $579 | $10,906-94.7% | $9,244-93.7% | $10,886-94.7% |