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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 | $19,081 | $176,077-89.2% | $159,455-88.0% | $167,518-88.6% |
| Participation rate | 70.0% | 84.9%-14.9pp | 82.8%-12.8pp | 82.1%-12.1pp |
| Annual return | 22.70% | 331.83%-309.1pp | 263.63%-240.9pp | 478.71%-456.0pp |
| Employer contribution / active EE | $1,719 | $5,298-67.6% | $4,830-64.4% | $4,838-64.5% |
| Participant deferral / active EE | $2,791 | $7,751-64.0% | $7,353-62.0% | $6,342-56.0% |
| Admin fee / account holder | $509 | $12,556-95.9% | $10,800-95.3% | $12,312-95.9% |