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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 | $14,246 | $108,825-86.9% | $156,181-90.9% | $82,448-82.7% |
| Participation rate | 90.5% | 72.4%+18.1pp | 78.8%+11.6pp | 68.1%+22.4pp |
| Annual return | 23.06% | 20.59%+2.5pp | 64.87%-41.8pp | 41.64%-18.6pp |
| Employer contribution / active EE | $2,200 | $2,870-23.3% | $4,294-48.8% | $2,551-13.8% |
| Participant deferral / active EE | $4,551 | $4,577-0.6% | $6,132-25.8% | $4,139+9.9% |
| Admin fee / account holder | $572 | $9,341-93.9% | $14,586-96.1% | $7,234-92.1% |