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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 | $4,631 | $57,590-92.0% | $86,233-94.6% | $82,448-94.4% |
| Participation rate | 90.8% | 57.9%+32.9pp | 69.0%+21.8pp | 68.1%+22.7pp |
| Annual return | 16.16% | 22.41%-6.3pp | 61.39%-45.2pp | 41.64%-25.5pp |
| Employer contribution / active EE | $629 | $1,655-62.0% | $2,504-74.9% | $2,551-75.3% |
| Participant deferral / active EE | $1,234 | $3,080-59.9% | $4,559-72.9% | $4,139-70.2% |
| Admin fee / account holder | $1,284 | $4,730-72.9% | $8,342-84.6% | $7,234-82.3% |