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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 | $22,104 | $150,447-85.3% | $136,298-83.8% | $147,586-85.0% |
| Participation rate | 81.3% | 84.4%-3.2pp | 81.9%-0.7pp | 82.8%-1.6pp |
| Annual return | 25.01% | 1049.15%-1024.1pp | 5156.27%-5131.3pp | 578.59%-553.6pp |
| Employer contribution / active EE | $3,148 | $5,256-40.1% | $4,696-33.0% | $4,876-35.5% |
| Participant deferral / active EE | $7,344 | $6,631+10.8% | $6,247+17.6% | $5,439+35.0% |
| Admin fee / account holder | $7,186 | $10,906-34.1% | $9,244-22.3% | $10,886-34.0% |