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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 | $31,960 | $282,059-88.7% | $213,469-85.0% | $154,746-79.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 13.48% | 20.90%-7.4pp | 20.58%-7.1pp | 172.34%-158.9pp |
| Employer contribution / active EE | $2,110 | $6,189-65.9% | $4,994-57.8% | $4,379-51.8% |
| Participant deferral / active EE | $3,996 | $8,186-51.2% | $6,841-41.6% | $6,730-40.6% |
| Admin fee / account holder | $3,872 | $37,435-89.7% | $27,141-85.7% | $14,365-73.0% |