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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 | $18,126 | $71,215-74.5% | $93,696-80.7% | $80,935-77.6% |
| Participation rate | 96.7% | 60.4%+36.3pp | 68.7%+27.9pp | 67.7%+29.0pp |
| Annual return | 14.49% | 11.27%+3.2pp | 133.74%-119.3pp | 35.66%-21.2pp |
| Employer contribution / active EE | $3,528 | $1,565+125.4% | $2,422+45.7% | $2,757+28.0% |
| Participant deferral / active EE | $1,666 | $4,037-58.7% | $4,417-62.3% | $4,299-61.2% |
| Admin fee / account holder | $510 | $6,958-92.7% | $8,287-93.8% | $6,924-92.6% |