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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 | $8,071 | $72,273-88.8% | $101,275-92.0% | $79,856-89.9% |
| Participation rate | 76.7% | 68.5%+8.2pp | 75.8%+0.9pp | 69.6%+7.0pp |
| Annual return | 17.93% | 22.30%-4.4pp | 46.48%-28.6pp | 31.71%-13.8pp |
| Employer contribution / active EE | $870 | $2,691-67.7% | $3,660-76.2% | $2,471-64.8% |
| Participant deferral / active EE | $1,462 | $3,282-55.5% | $4,371-66.6% | $3,741-60.9% |
| Admin fee / account holder | $347 | $4,401-92.1% | $5,948-94.2% | $5,306-93.5% |