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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 | $10,710 | $52,911-79.8% | $73,309-85.4% | $59,633-82.0% |
| Participation rate | 100.0% | 68.2%+31.8pp | 74.9%+25.1pp | 68.7%+31.3pp |
| Annual return | 10.29% | 12.20%-1.9pp | 5.67%+4.6pp | 2041.45%-2031.2pp |
| Employer contribution / active EE | $6,210 | $1,909+225.4% | $3,237+91.8% | $2,203+181.9% |
| Participant deferral / active EE | $5,195 | $4,069+27.7% | $4,991+4.1% | $3,192+62.8% |
| Admin fee / account holder | $303 | $3,835-92.1% | $5,635-94.6% | $4,297-93.0% |