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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 | $10,942 | $185,905-94.1% | $170,057-93.6% | $139,487-92.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.85% | 60.56%-43.7pp | 53.42%-36.6pp | 373.84%-357.0pp |
| Employer contribution / active EE | $3,156 | $7,597-58.5% | $6,790-53.5% | $4,755-33.6% |
| Participant deferral / active EE | $3,278 | $11,627-71.8% | $10,411-68.5% | $6,713-51.2% |
| Admin fee / account holder | $716 | $15,397-95.3% | $12,826-94.4% | $11,407-93.7% |