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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 | $21,367 | $79,438-73.1% | $106,555-79.9% | $79,391-73.1% |
| Participation rate | 87.1% | 74.2%+12.9pp | 76.1%+10.9pp | 70.7%+16.4pp |
| Annual return | 28.01% | 18.27%+9.7pp | 26.80%+1.2pp | 116.88%-88.9pp |
| Employer contribution / active EE | $1,948 | $2,235-12.8% | $2,819-30.9% | $2,428-19.8% |
| Participant deferral / active EE | $3,208 | $3,824-16.1% | $4,399-27.1% | $4,046-20.7% |
| Admin fee / account holder | $1,045 | $523+99.8% | $7,408-85.9% | $627+66.8% |