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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 | $10,337 | $58,851-82.4% | $115,167-91.0% | $72,976-85.8% |
| Participation rate | 100.0% | 65.5%+34.5pp | 75.9%+24.1pp | 69.5%+30.5pp |
| Annual return | 18.94% | 23.16%-4.2pp | 35.60%-16.7pp | 81.02%-62.1pp |
| Employer contribution / active EE | $3,069 | $1,798+70.7% | $3,179-3.5% | $2,440+25.8% |
| Participant deferral / active EE | $1,842 | $2,643-30.3% | $4,169-55.8% | $3,608-48.9% |
| Admin fee / account holder | $2,819 | $6,370-55.8% | $7,089-60.2% | $5,124-45.0% |