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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 | $20,271 | $150,447-86.5% | $136,298-85.1% | $147,586-86.3% |
| Participation rate | 88.9% | 84.4%+4.5pp | 81.9%+7.0pp | 82.8%+6.1pp |
| Annual return | 34.74% | 1049.15%-1014.4pp | 5156.27%-5121.5pp | 578.59%-543.9pp |
| Employer contribution / active EE | $3,333 | $5,256-36.6% | $4,696-29.0% | $4,876-31.6% |
| Participant deferral / active EE | $7,562 | $6,631+14.0% | $6,247+21.0% | $5,439+39.0% |
| Admin fee / account holder | $1,036 | $10,906-90.5% | $9,244-88.8% | $10,886-90.5% |