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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 | $15,235 | $88,707-82.8% | $74,184-79.5% | $273,972-94.4% |
| Participation rate | 94.7% | 79.4%+15.3pp | 76.6%+18.1pp | 83.0%+11.7pp |
| Annual return | 10.46% | 11.94%-1.5pp | 17.74%-7.3pp | 41.46%-31.0pp |
| Employer contribution / active EE | $3,808 | $3,159+20.5% | $2,370+60.7% | $4,869-21.8% |
| Participant deferral / active EE | $1,750 | $4,212-58.5% | $3,550-50.7% | $5,287-66.9% |
| Admin fee / account holder | $349 | $8,717-96.0% | $5,586-93.8% | $10,133-96.6% |