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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 | $21,380 | $89,259-76.0% | $107,187-80.1% | $82,637-74.1% |
| Participation rate | 91.7% | 67.9%+23.7pp | 75.0%+16.6pp | 68.1%+23.6pp |
| Annual return | 21.02% | 21.02%0pp | 204.55%-183.5pp | 53.51%-32.5pp |
| Employer contribution / active EE | $3,210 | $3,080+4.2% | $3,782-15.1% | $2,552+25.8% |
| Participant deferral / active EE | $7,357 | $4,037+82.2% | $5,096+44.4% | $4,126+78.3% |
| Admin fee / account holder | $950 | $7,381-87.1% | $9,162-89.6% | $7,339-87.0% |