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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 | $21,226 | $88,672-76.1% | $105,223-79.8% | $82,448-74.3% |
| Participation rate | 71.9% | 67.9%+4.0pp | 75.0%-3.2pp | 68.1%+3.8pp |
| Annual return | 15.22% | 30.86%-15.6pp | 180.65%-165.4pp | 41.64%-26.4pp |
| Employer contribution / active EE | $2,482 | $3,048-18.6% | $3,689-32.7% | $2,551-2.7% |
| Participant deferral / active EE | $1,851 | $4,036-54.1% | $5,072-63.5% | $4,139-55.3% |
| Admin fee / account holder | $3,521 | $7,146-50.7% | $8,859-60.3% | $7,234-51.3% |