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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 | $28,281 | $125,797-77.5% | $170,057-83.4% | $75,177-62.4% |
| Participation rate | 100.0% | 83.6%+16.4pp | 87.0%+13.0pp | 67.2%+32.8pp |
| Annual return | 18.23% | 27.20%-9.0pp | 53.42%-35.2pp | 160.75%-142.5pp |
| Employer contribution / active EE | $2,399 | $4,616-48.0% | $6,790-64.7% | $2,671-10.2% |
| Participant deferral / active EE | $5,335 | $6,838-22.0% | $10,411-48.8% | $4,126+29.3% |
| Admin fee / account holder | $6,554 | $8,177-19.8% | $12,826-48.9% | $5,651+16.0% |