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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 | $52,599 | $275,752-80.9% | $256,809-79.5% | $198,609-73.5% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 20.30% | 34.81%-14.5pp | 32.73%-12.4pp | 202.70%-182.4pp |
| Employer contribution / active EE | $2,145 | $7,721-72.2% | $7,263-70.5% | $5,055-57.6% |
| Participant deferral / active EE | $7,725 | $10,037-23.0% | $9,520-18.8% | $6,977+10.7% |
| Admin fee / account holder | $847 | $25,716-96.7% | $25,146-96.6% | $19,030-95.5% |