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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 | $23,765 | $72,492-67.2% | $87,104-72.7% | $72,975-67.4% |
| Participation rate | 85.4% | 72.8%+12.6pp | 76.9%+8.5pp | 69.5%+15.9pp |
| Annual return | 30.64% | 24.46%+6.2pp | 28.19%+2.5pp | 81.01%-50.4pp |
| Employer contribution / active EE | $3,265 | $1,894+72.4% | $2,521+29.5% | $2,440+33.8% |
| Participant deferral / active EE | $6,207 | $3,270+89.9% | $4,048+53.3% | $3,608+72.1% |
| Admin fee / account holder | $871 | $5,055-82.8% | $7,491-88.4% | $5,124-83.0% |