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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 | $10,237 | $135,956-92.5% | $123,894-91.7% | $273,972-96.3% |
| Participation rate | 94.1% | 84.1%+10.1pp | 81.4%+12.7pp | 83.0%+11.1pp |
| Annual return | 22.53% | 56.63%-34.1pp | 47.52%-25.0pp | 41.46%-18.9pp |
| Employer contribution / active EE | $1,765 | $5,170-65.9% | $4,617-61.8% | $4,869-63.7% |
| Participant deferral / active EE | $2,859 | $6,343-54.9% | $5,984-52.2% | $5,287-45.9% |
| Admin fee / account holder | $3,173 | $9,817-67.7% | $8,357-62.0% | $10,133-68.7% |