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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 | $21,712 | $176,794-87.7% | $146,647-85.2% | $167,553-87.0% |
| Participation rate | 80.0% | 83.6%-3.6pp | 80.1%-0.1pp | 82.1%-2.1pp |
| Annual return | 18.05% | 24.04%-6.0pp | 22.75%-4.7pp | 478.89%-460.8pp |
| Employer contribution / active EE | $6,974 | $5,161+35.1% | $4,137+68.6% | $4,840+44.1% |
| Participant deferral / active EE | $6,580 | $6,440+2.2% | $5,506+19.5% | $6,343+3.7% |
| Admin fee / account holder | $3,408 | $13,262-74.3% | $10,281-66.8% | $12,316-72.3% |