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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 | $15,078 | $106,864-85.9% | $147,318-89.8% | $82,637-81.8% |
| Participation rate | 96.1% | 75.5%+20.6pp | 82.1%+14.0pp | 68.1%+28.0pp |
| Annual return | 22.89% | 27.49%-4.6pp | 70.43%-47.5pp | 53.51%-30.6pp |
| Employer contribution / active EE | $2,115 | $3,417-38.1% | $4,593-54.0% | $2,552-17.1% |
| Participant deferral / active EE | $3,345 | $6,496-48.5% | $7,906-57.7% | $4,126-18.9% |
| Admin fee / account holder | $915 | $8,415-89.1% | $13,708-93.3% | $7,339-87.5% |