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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 | $18,255 | $76,367-76.1% | $93,614-80.5% | $72,983-75.0% |
| Participation rate | 96.4% | 71.7%+24.7pp | 75.8%+20.6pp | 69.5%+26.9pp |
| Annual return | 28.45% | 25.82%+2.6pp | 32.76%-4.3pp | 81.01%-52.6pp |
| Employer contribution / active EE | $2,350 | $2,275+3.3% | $2,718-13.6% | $2,440-3.7% |
| Participant deferral / active EE | $4,231 | $3,538+19.6% | $4,069+4.0% | $3,608+17.3% |
| Admin fee / account holder | $698 | $6,838-89.8% | $7,889-91.2% | $5,124-86.4% |