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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 | $17,264 | $110,307-84.3% | $96,576-82.1% | $139,456-87.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 10.17% | 26.40%-16.2pp | 25.87%-15.7pp | 373.45%-363.3pp |
| Employer contribution / active EE | $1,761 | $3,619-51.3% | $2,965-40.6% | $4,753-62.9% |
| Participant deferral / active EE | $4,216 | $5,547-24.0% | $4,851-13.1% | $6,711-37.2% |
| Admin fee / account holder | $3,028 | $11,597-73.9% | $8,253-63.3% | $11,407-73.5% |