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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 | $9,097 | $63,346-85.6% | $92,240-90.1% | $70,126-87.0% |
| Participation rate | 83.3% | 68.7%+14.7pp | 76.5%+6.9pp | 69.5%+13.8pp |
| Annual return | 20.65% | 530.19%-509.5pp | 176.29%-155.6pp | 73.15%-52.5pp |
| Employer contribution / active EE | $1,961 | $2,471-20.7% | $3,680-46.7% | $2,343-16.3% |
| Participant deferral / active EE | $2,152 | $2,854-24.6% | $3,897-44.8% | $3,332-35.4% |
| Admin fee / account holder | $570 | $3,841-85.2% | $5,194-89.0% | $4,645-87.7% |