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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 | $3,563 | $56,063-93.6% | $76,051-95.3% | $80,911-95.6% |
| Participation rate | 98.6% | 62.0%+36.6pp | 69.1%+29.6pp | 67.6%+31.0pp |
| Annual return | 16.40% | 20.54%-4.1pp | 360.42%-344.0pp | 35.63%-19.2pp |
| Employer contribution / active EE | $1,272 | $1,874-32.1% | $2,690-52.7% | $2,756-53.9% |
| Participant deferral / active EE | $1,550 | $3,052-49.2% | $4,257-63.6% | $4,297-63.9% |
| Admin fee / account holder | $453 | $5,240-91.4% | $6,416-92.9% | $6,935-93.5% |