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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 | $17,288 | $160,040-89.2% | $147,096-88.2% | $145,877-88.1% |
| Participation rate | 91.3% | 84.0%+7.3pp | 82.2%+9.1pp | 80.3%+11.0pp |
| Annual return | 810.48% | 98.49%+712.0pp | 419.75%+390.7pp | 551.28%+259.2pp |
| Employer contribution / active EE | $4,925 | $5,289-6.9% | $4,936-0.2% | $4,663+5.6% |
| Participant deferral / active EE | $9,699 | $8,429+15.1% | $8,071+20.2% | $6,691+45.0% |
| Admin fee / account holder | $10,592 | $15,050-29.6% | $13,005-18.6% | $13,402-21.0% |