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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 | $10,357 | $88,672-88.3% | $105,223-90.2% | $82,448-87.4% |
| Participation rate | 86.1% | 67.9%+18.2pp | 75.0%+11.1pp | 68.1%+18.0pp |
| Annual return | 16.64% | 30.86%-14.2pp | 180.65%-164.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $3,259 | $3,048+6.9% | $3,689-11.7% | $2,551+27.7% |
| Participant deferral / active EE | $2,445 | $4,036-39.4% | $5,072-51.8% | $4,139-40.9% |
| Admin fee / account holder | $1,609 | $7,146-77.5% | $8,859-81.8% | $7,234-77.8% |