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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 | $14,034 | $150,447-90.7% | $136,298-89.7% | $147,586-90.5% |
| Participation rate | 76.9% | 84.4%-7.5pp | 81.9%-5.0pp | 82.8%-5.9pp |
| Annual return | 12.83% | 1049.15%-1036.3pp | 5156.27%-5143.4pp | 578.59%-565.8pp |
| Employer contribution / active EE | $1,064 | $5,256-79.8% | $4,696-77.3% | $4,876-78.2% |
| Participant deferral / active EE | $4,639 | $6,631-30.0% | $6,247-25.8% | $5,439-14.7% |
| Admin fee / account holder | $355 | $10,906-96.7% | $9,244-96.2% | $10,886-96.7% |