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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 | $14,481 | $56,484-74.4% | $169,452-91.5% | $64,173-77.4% |
| Participation rate | 95.5% | 64.5%+30.9pp | 77.8%+17.7pp | 69.6%+25.9pp |
| Annual return | -3.93% | -1.55%-2.4pp | 1.83%-5.8pp | 7.63%-11.6pp |
| Employer contribution / active EE | $878 | $1,832-52.1% | $4,157-78.9% | $2,381-63.1% |
| Participant deferral / active EE | $3,307 | $3,448-4.1% | $5,277-37.3% | $3,470-4.7% |
| Admin fee / account holder | $5,546 | $4,174+32.9% | $9,110-39.1% | $4,887+13.5% |