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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 | $15,033 | $152,619-90.1% | $125,195-88.0% | $152,909-90.2% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 23.52% | 54.85%-31.3pp | 43.79%-20.3pp | 345.46%-321.9pp |
| Employer contribution / active EE | $3,258 | $4,947-34.1% | $3,866-15.7% | $4,764-31.6% |
| Participant deferral / active EE | $2,421 | $5,869-58.8% | $4,937-51.0% | $5,851-58.6% |
| Admin fee / account holder | $3,432 | $13,437-74.5% | $9,704-64.6% | $11,601-70.4% |