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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 | $22,141 | $101,798-78.2% | $165,071-86.6% | $80,935-72.6% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 16.00% | 16.73%-0.7pp | 70.17%-54.2pp | 35.66%-19.7pp |
| Employer contribution / active EE | $2,842 | $2,954-3.8% | $4,347-34.6% | $2,757+3.1% |
| Participant deferral / active EE | $7,043 | $4,476+57.3% | $6,035+16.7% | $4,299+63.8% |
| Admin fee / account holder | $751 | $8,221-90.9% | $12,695-94.1% | $6,924-89.2% |