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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 | $10,578 | $150,447-93.0% | $136,298-92.2% | $147,586-92.8% |
| Participation rate | 78.9% | 84.4%-5.5pp | 81.9%-3.0pp | 82.8%-3.9pp |
| Annual return | 40.41% | 1049.15%-1008.7pp | 5156.27%-5115.9pp | 578.59%-538.2pp |
| Employer contribution / active EE | $1,867 | $5,256-64.5% | $4,696-60.2% | $4,876-61.7% |
| Participant deferral / active EE | $4,332 | $6,631-34.7% | $6,247-30.7% | $5,439-20.3% |
| Admin fee / account holder | $571 | $10,906-94.8% | $9,244-93.8% | $10,886-94.8% |