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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 | $21,144 | $72,492-70.8% | $87,104-75.7% | $72,975-71.0% |
| Participation rate | 73.3% | 72.8%+0.5pp | 76.9%-3.5pp | 69.5%+3.8pp |
| Annual return | 26.78% | 24.46%+2.3pp | 28.19%-1.4pp | 81.01%-54.2pp |
| Employer contribution / active EE | $2,299 | $1,894+21.4% | $2,521-8.8% | $2,440-5.8% |
| Participant deferral / active EE | $4,298 | $3,270+31.5% | $4,048+6.2% | $3,608+19.1% |
| Admin fee / account holder | $3,292 | $5,055-34.9% | $7,491-56.1% | $5,124-35.8% |