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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 | $23,728 | $78,428-69.7% | $95,960-75.3% | $79,852-70.3% |
| Participation rate | 96.3% | 73.5%+22.8pp | 77.1%+19.2pp | 69.6%+26.7pp |
| Annual return | 17.66% | 19.37%-1.7pp | 91.63%-74.0pp | 31.72%-14.1pp |
| Employer contribution / active EE | $2,936 | $1,945+50.9% | $2,541+15.5% | $2,471+18.8% |
| Participant deferral / active EE | $5,968 | $3,440+73.5% | $4,167+43.2% | $3,740+59.6% |
| Admin fee / account holder | $2,415 | $5,622-57.0% | $6,797-64.5% | $5,306-54.5% |