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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 | $14,449 | $70,587-79.5% | $124,694-88.4% | $85,851-83.2% |
| Participation rate | 91.1% | 64.4%+26.7pp | 74.6%+16.5pp | 69.3%+21.8pp |
| Annual return | 28.63% | 20688.83%-20660.2pp | 5144.82%-5116.2pp | 318.63%-290.0pp |
| Employer contribution / active EE | $1,565 | $1,913-18.2% | $3,325-52.9% | $2,565-39.0% |
| Participant deferral / active EE | $2,173 | $2,969-26.8% | $4,615-52.9% | $3,952-45.0% |
| Admin fee / account holder | $301 | $5,282-94.3% | $7,495-96.0% | $6,261-95.2% |