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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 | $18,874 | $64,359-70.7% | $90,161-79.1% | $70,126-73.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 15.49% | 28.13%-12.6pp | 34.89%-19.4pp | 73.15%-57.7pp |
| Employer contribution / active EE | $6,045 | $2,046+195.5% | $3,318+82.2% | $2,343+158.1% |
| Participant deferral / active EE | $4,836 | $4,389+10.2% | $5,287-8.5% | $3,332+45.2% |
| Admin fee / account holder | $942 | $3,945-76.1% | $5,943-84.1% | $4,645-79.7% |