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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 | $9,130 | $97,648-90.7% | $121,663-92.5% | $87,485-89.6% |
| Participation rate | 79.6% | 70.5%+9.2pp | 74.5%+5.1pp | 68.9%+10.7pp |
| Annual return | 16.99% | 18.03%-1.0pp | 147.54%-130.5pp | 26.06%-9.1pp |
| Employer contribution / active EE | $888 | $2,300-61.4% | $3,020-70.6% | $2,596-65.8% |
| Participant deferral / active EE | $1,882 | $3,923-52.0% | $4,887-61.5% | $4,274-56.0% |
| Admin fee / account holder | $804 | $11,100-92.8% | $14,289-94.4% | $7,775-89.7% |