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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 | $14,520 | $135,905-89.3% | $126,068-88.5% | $198,609-92.7% |
| Participation rate | 100.0% | 85.6%+14.4pp | 84.7%+15.3pp | 82.4%+17.6pp |
| Annual return | 15.34% | 14.07%+1.3pp | 15.01%+0.3pp | 202.70%-187.4pp |
| Employer contribution / active EE | $2,775 | $4,245-34.6% | $3,968-30.1% | $5,055-45.1% |
| Participant deferral / active EE | $5,665 | $8,523-33.5% | $8,214-31.0% | $6,977-18.8% |
| Admin fee / account holder | $3,344 | $21,036-84.1% | $18,264-81.7% | $19,030-82.4% |