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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 | $15,687 | $209,422-92.5% | $178,503-91.2% | $158,982-90.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 12.71% | 188.81%-176.1pp | 151.12%-138.4pp | 302.99%-290.3pp |
| Employer contribution / active EE | $1,732 | $5,707-69.6% | $5,011-65.4% | $4,763-63.6% |
| Participant deferral / active EE | $7,329 | $5,955+23.1% | $5,202+40.9% | $5,983+22.5% |
| Admin fee / account holder | $3,068 | $17,079-82.0% | $13,987-78.1% | $11,252-72.7% |