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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 | $17,059 | $202,342-91.6% | $172,752-90.1% | $152,897-88.8% |
| Participation rate | 86.7% | 87.1%-0.4pp | 82.6%+4.0pp | 82.5%+4.2pp |
| Annual return | 38.83% | 1029.83%-991.0pp | 802.97%-764.1pp | 345.43%-306.6pp |
| Employer contribution / active EE | $4,338 | $5,858-25.9% | $5,144-15.7% | $4,764-8.9% |
| Participant deferral / active EE | $3,659 | $5,948-38.5% | $5,198-29.6% | $5,851-37.5% |
| Admin fee / account holder | $328 | $17,111-98.1% | $13,955-97.7% | $11,599-97.2% |