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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 | $13,014 | $65,575-80.2% | $86,209-84.9% | $75,181-82.7% |
| Participation rate | 78.8% | 60.5%+18.4pp | 69.0%+9.9pp | 67.2%+11.6pp |
| Annual return | 28.23% | 46.07%-17.8pp | 1169.05%-1140.8pp | 160.69%-132.5pp |
| Employer contribution / active EE | $1,847 | $1,553+18.9% | $2,381-22.4% | $2,671-30.8% |
| Participant deferral / active EE | $2,512 | $3,023-16.9% | $3,986-37.0% | $4,126-39.1% |
| Admin fee / account holder | $1,127 | $5,470-79.4% | $6,853-83.6% | $5,650-80.1% |