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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 | $5,824 | $59,440-90.2% | $78,004-92.5% | $82,637-93.0% |
| Participation rate | 81.8% | 62.8%+19.0pp | 69.4%+12.4pp | 68.1%+13.8pp |
| Annual return | 115.64% | 40.24%+75.4pp | 31.07%+84.6pp | 53.51%+62.1pp |
| Employer contribution / active EE | $691 | $1,750-60.5% | $2,469-72.0% | $2,552-72.9% |
| Participant deferral / active EE | $1,787 | $3,138-43.1% | $4,092-56.3% | $4,126-56.7% |
| Admin fee / account holder | $2,039 | $5,504-63.0% | $7,578-73.1% | $7,339-72.2% |