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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 | $12,481 | $58,391-78.6% | $76,667-83.7% | $72,976-82.9% |
| Participation rate | 82.4% | 67.4%+15.0pp | 72.1%+10.3pp | 69.5%+12.9pp |
| Annual return | 29.45% | 2306.65%-2277.2pp | 1166.74%-1137.3pp | 81.02%-51.6pp |
| Employer contribution / active EE | $2,197 | $1,787+23.0% | $2,303-4.6% | $2,440-10.0% |
| Participant deferral / active EE | $3,078 | $2,690+14.4% | $3,336-7.7% | $3,608-14.7% |
| Admin fee / account holder | $908 | $4,014-77.4% | $6,423-85.9% | $5,124-82.3% |