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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 | $22,268 | $69,977-68.2% | $108,582-79.5% | $62,881-64.6% |
| Participation rate | 100.0% | 72.9%+27.1pp | 79.6%+20.4pp | 69.3%+30.7pp |
| Annual return | 5.86% | 10.73%-4.9pp | -51.70%+57.6pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,652 | $2,135-22.6% | $3,758-56.0% | $2,281-27.6% |
| Participant deferral / active EE | $2,837 | $3,165-10.3% | $4,311-34.2% | $3,203-11.4% |
| Admin fee / account holder | $3,560 | $5,076-29.9% | $7,645-53.4% | $4,296-17.1% |