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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 | $21,184 | $127,386-83.4% | $115,037-81.6% | $125,388-83.1% |
| Participation rate | 72.2% | 84.2%-11.9pp | 81.4%-9.1pp | 83.2%-11.0pp |
| Annual return | -1.81% | 31.28%-33.1pp | 26.14%-28.0pp | 282.24%-284.0pp |
| Employer contribution / active EE | $3,196 | $5,166-38.1% | $4,608-30.6% | $4,866-34.3% |
| Participant deferral / active EE | $6,962 | $6,423+8.4% | $6,026+15.5% | $5,352+30.1% |
| Admin fee / account holder | $3,475 | $9,516-63.5% | $8,175-57.5% | $9,541-63.6% |