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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 | $12,328 | $85,766-85.6% | $136,298-91.0% | $70,126-82.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 20.38% | 31.46%-11.1pp | 5156.27%-5135.9pp | 73.15%-52.8pp |
| Employer contribution / active EE | $2,352 | $2,966-20.7% | $4,696-49.9% | $2,343+0.4% |
| Participant deferral / active EE | $3,868 | $5,051-23.4% | $6,247-38.1% | $3,332+16.1% |
| Admin fee / account holder | $1,203 | $5,421-77.8% | $9,244-87.0% | $4,645-74.1% |