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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 | $19,135 | $165,381-88.4% | $149,730-87.2% | $158,966-88.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 33.06% | 348.29%-315.2pp | 276.70%-243.6pp | 302.95%-269.9pp |
| Employer contribution / active EE | $6,725 | $5,104+31.7% | $4,645+44.8% | $4,762+41.2% |
| Participant deferral / active EE | $3,148 | $7,182-56.2% | $6,843-54.0% | $5,983-47.4% |
| Admin fee / account holder | $2,188 | $10,809-79.8% | $9,310-76.5% | $11,250-80.6% |