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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 | $11,536 | $72,269-84.0% | $101,271-88.6% | $79,852-85.6% |
| Participation rate | 92.3% | 68.5%+23.8pp | 75.8%+16.5pp | 69.6%+22.7pp |
| Annual return | 18.11% | 22.29%-4.2pp | 46.48%-28.4pp | 31.72%-13.6pp |
| Employer contribution / active EE | $4,215 | $2,692+56.6% | $3,660+15.2% | $2,471+70.6% |
| Participant deferral / active EE | $2,250 | $3,282-31.4% | $4,371-48.5% | $3,740-39.8% |
| Admin fee / account holder | $1,198 | $4,401-72.8% | $5,948-79.9% | $5,306-77.4% |