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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 | $4,454 | $55,902-92.0% | $76,030-94.1% | $80,959-94.5% |
| Participation rate | 77.8% | 62.1%+15.7pp | 69.1%+8.7pp | 67.7%+10.1pp |
| Annual return | 17.44% | 20.59%-3.1pp | 361.54%-344.1pp | 35.67%-18.2pp |
| Employer contribution / active EE | $444 | $1,867-76.2% | $2,688-83.5% | $2,757-83.9% |
| Participant deferral / active EE | $2,506 | $3,051-17.9% | $4,257-41.1% | $4,300-41.7% |
| Admin fee / account holder | $1,403 | $5,239-73.2% | $6,421-78.2% | $6,925-79.7% |