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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 | $12,061 | $115,796-89.6% | $101,264-88.1% | $158,950-92.4% |
| Participation rate | 72.2% | 79.4%-7.1pp | 75.8%-3.6pp | 82.0%-9.7pp |
| Annual return | 32.77% | 56.15%-23.4pp | 46.48%-13.7pp | 302.91%-270.1pp |
| Employer contribution / active EE | $807 | $4,175-80.7% | $3,660-78.0% | $4,762-83.1% |
| Participant deferral / active EE | $2,615 | $4,958-47.3% | $4,370-40.2% | $5,983-56.3% |
| Admin fee / account holder | $1,664 | $7,247-77.0% | $5,947-72.0% | $11,248-85.2% |