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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 | $21,175 | $135,956-84.4% | $123,894-82.9% | $273,972-92.3% |
| Participation rate | 94.1% | 84.1%+10.1pp | 81.4%+12.7pp | 83.0%+11.1pp |
| Annual return | 4.15% | 56.63%-52.5pp | 47.52%-43.4pp | 41.46%-37.3pp |
| Employer contribution / active EE | $2,194 | $5,170-57.6% | $4,617-52.5% | $4,869-54.9% |
| Participant deferral / active EE | $6,309 | $6,343-0.5% | $5,984+5.4% | $5,287+19.3% |
| Admin fee / account holder | $1,717 | $9,817-82.5% | $8,357-79.5% | $10,133-83.1% |