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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 | $8,700 | $129,737-93.3% | $119,126-92.7% | $154,746-94.4% |
| Participation rate | 83.3% | 78.9%+4.5pp | 75.8%+7.6pp | 80.7%+2.6pp |
| Annual return | 20.53% | 379.08%-358.6pp | 282.11%-261.6pp | 172.34%-151.8pp |
| Employer contribution / active EE | $0 | $4,375-100.0% | $4,034-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,614 | $5,842-55.3% | $5,318-50.8% | $6,730-61.2% |
| Admin fee / account holder | $1,359 | $11,961-88.6% | $10,693-87.3% | $14,365-90.5% |