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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 | $14,197 | $72,269-80.4% | $101,271-86.0% | $79,852-82.2% |
| Participation rate | 75.0% | 68.5%+6.5pp | 75.8%-0.8pp | 69.6%+5.4pp |
| Annual return | 42.97% | 22.29%+20.7pp | 46.48%-3.5pp | 31.72%+11.3pp |
| Employer contribution / active EE | $883 | $2,692-67.2% | $3,660-75.9% | $2,471-64.3% |
| Participant deferral / active EE | $1,746 | $3,282-46.8% | $4,371-60.1% | $3,740-53.3% |
| Admin fee / account holder | $886 | $4,401-79.9% | $5,948-85.1% | $5,306-83.3% |