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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 | $26,330 | $217,432-87.9% | $185,849-85.8% | $167,536-84.3% |
| Participation rate | 85.7% | 86.1%-0.3pp | 81.7%+4.0pp | 82.1%+3.6pp |
| Annual return | 13.74% | 148.42%-134.7pp | 122.10%-108.4pp | 478.82%-465.1pp |
| Employer contribution / active EE | $1,418 | $5,875-75.9% | $5,169-72.6% | $4,839-70.7% |
| Participant deferral / active EE | $7,817 | $6,357+23.0% | $5,569+40.4% | $6,342+23.2% |
| Admin fee / account holder | $310 | $19,818-98.4% | $16,244-98.1% | $12,315-97.5% |