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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 | $23,537 | $78,423-70.0% | $95,964-75.5% | $79,856-70.5% |
| Participation rate | 93.7% | 73.5%+20.2pp | 77.1%+16.6pp | 69.6%+24.0pp |
| Annual return | 12.31% | 19.37%-7.1pp | 91.64%-79.3pp | 31.71%-19.4pp |
| Employer contribution / active EE | $1,585 | $1,945-18.5% | $2,541-37.6% | $2,471-35.8% |
| Participant deferral / active EE | $4,507 | $3,440+31.0% | $4,167+8.2% | $3,741+20.5% |
| Admin fee / account holder | $2,973 | $5,622-47.1% | $6,797-56.3% | $5,306-44.0% |