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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 | $14,298 | $149,741-90.5% | $118,914-88.0% | $158,982-91.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 59.80% | 19.94%+39.9pp | 35.89%+23.9pp | 302.99%-243.2pp |
| Employer contribution / active EE | $1,365 | $4,119-66.9% | $3,264-58.2% | $4,763-71.3% |
| Participant deferral / active EE | $1,638 | $5,226-68.7% | $4,266-61.6% | $5,983-72.6% |
| Admin fee / account holder | $5,849 | $8,607-32.0% | $6,582-11.1% | $11,252-48.0% |