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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 | $24,347 | $93,345-73.9% | $119,126-79.6% | $87,485-72.2% |
| Participation rate | 72.7% | 68.7%+4.0pp | 75.8%-3.0pp | 68.9%+3.8pp |
| Annual return | 19.19% | 19.08%+0.1pp | 282.11%-262.9pp | 26.06%-6.9pp |
| Employer contribution / active EE | $4,469 | $3,172+40.9% | $4,034+10.8% | $2,596+72.1% |
| Participant deferral / active EE | $2,784 | $4,099-32.1% | $5,318-47.6% | $4,274-34.8% |
| Admin fee / account holder | $450 | $8,039-94.4% | $10,693-95.8% | $7,775-94.2% |