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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 | $6,706 | $89,259-92.5% | $107,187-93.7% | $82,637-91.9% |
| Participation rate | 87.9% | 67.9%+19.9pp | 75.0%+12.9pp | 68.1%+19.8pp |
| Annual return | 17.63% | 21.02%-3.4pp | 204.55%-186.9pp | 53.51%-35.9pp |
| Employer contribution / active EE | $1,037 | $3,080-66.3% | $3,782-72.6% | $2,552-59.4% |
| Participant deferral / active EE | $2,412 | $4,037-40.3% | $5,096-52.7% | $4,126-41.5% |
| Admin fee / account holder | $1,775 | $7,381-76.0% | $9,162-80.6% | $7,339-75.8% |