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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 | $15,402 | $175,231-91.2% | $149,696-89.7% | $139,466-89.0% |
| Participation rate | 76.2% | 83.4%-7.2pp | 78.8%-2.6pp | 80.3%-4.1pp |
| Annual return | 32.08% | 166.77%-134.7pp | 134.46%-102.4pp | 373.66%-341.6pp |
| Employer contribution / active EE | $1,571 | $5,478-71.3% | $4,821-67.4% | $4,754-67.0% |
| Participant deferral / active EE | $5,633 | $6,521-13.6% | $5,682-0.9% | $6,712-16.1% |
| Admin fee / account holder | $434 | $16,155-97.3% | $13,212-96.7% | $11,409-96.2% |