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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 | $16,860 | $57,752-70.8% | $112,273-85.0% | $71,511-76.4% |
| Participation rate | 92.0% | 58.8%+33.2pp | 72.4%+19.6pp | 67.9%+24.1pp |
| Annual return | 19.03% | 18.25%+0.8pp | 30.23%-11.2pp | 28.86%-9.8pp |
| Employer contribution / active EE | $1,370 | $1,912-28.3% | $3,431-60.1% | $2,589-47.1% |
| Participant deferral / active EE | $2,705 | $2,860-5.4% | $4,800-43.6% | $4,291-37.0% |
| Admin fee / account holder | $1,143 | $1,586-27.9% | $7,752-85.3% | $1,588-28.0% |