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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 | $21,681 | $202,342-89.3% | $172,753-87.4% | $152,909-85.8% |
| Participation rate | 80.0% | 87.1%-7.1pp | 82.6%-2.6pp | 82.5%-2.5pp |
| Annual return | 21.48% | 1029.88%-1008.4pp | 803.00%-781.5pp | 345.46%-324.0pp |
| Employer contribution / active EE | $4,222 | $5,857-27.9% | $5,144-17.9% | $4,764-11.4% |
| Participant deferral / active EE | $3,811 | $5,948-35.9% | $5,198-26.7% | $5,851-34.9% |
| Admin fee / account holder | $1,278 | $17,112-92.5% | $13,956-90.8% | $11,601-89.0% |