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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 | $18,746 | $98,240-80.9% | $82,312-77.2% | $147,586-87.3% |
| Participation rate | 91.7% | 79.7%+11.9pp | 76.9%+14.8pp | 82.8%+8.8pp |
| Annual return | 15.63% | 30.85%-15.2pp | 25.88%-10.3pp | 578.59%-563.0pp |
| Employer contribution / active EE | $3,716 | $3,192+16.4% | $2,428+53.0% | $4,876-23.8% |
| Participant deferral / active EE | $1,812 | $4,383-58.7% | $3,706-51.1% | $5,439-66.7% |
| Admin fee / account holder | $820 | $8,563-90.4% | $5,608-85.4% | $10,886-92.5% |