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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 | $22,678 | $150,447-84.9% | $136,298-83.4% | $147,586-84.6% |
| Participation rate | 88.9% | 84.4%+4.5pp | 81.9%+7.0pp | 82.8%+6.1pp |
| Annual return | 26.26% | 1049.15%-1022.9pp | 5156.27%-5130.0pp | 578.59%-552.3pp |
| Employer contribution / active EE | $4,144 | $5,256-21.2% | $4,696-11.7% | $4,876-15.0% |
| Participant deferral / active EE | $6,862 | $6,631+3.5% | $6,247+9.8% | $5,439+26.2% |
| Admin fee / account holder | $538 | $10,906-95.1% | $9,244-94.2% | $10,886-95.1% |