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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 | $10,435 | $78,015-86.6% | $178,505-94.2% | $80,959-87.1% |
| Participation rate | 92.1% | 65.7%+26.4pp | 77.1%+15.0pp | 67.7%+24.4pp |
| Annual return | 13.60% | 18.10%-4.5pp | 27.16%-13.6pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,093 | $2,281-52.1% | $3,955-72.4% | $2,757-60.3% |
| Participant deferral / active EE | $4,106 | $4,406-6.8% | $6,280-34.6% | $4,300-4.5% |
| Admin fee / account holder | $660 | $7,160-90.8% | $10,428-93.7% | $6,925-90.5% |