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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 | $15,238 | $58,828-74.1% | $78,002-80.5% | $62,881-75.8% |
| Participation rate | 85.5% | 71.1%+14.5pp | 75.5%+10.0pp | 69.3%+16.2pp |
| Annual return | 21.99% | 17.16%+4.8pp | 425.99%-404.0pp | 20.14%+1.8pp |
| Employer contribution / active EE | $879 | $1,672-47.4% | $2,470-64.4% | $2,281-61.5% |
| Participant deferral / active EE | $1,299 | $2,686-51.6% | $3,497-62.9% | $3,203-59.4% |
| Admin fee / account holder | $2,055 | $4,393-53.2% | $5,481-62.5% | $4,296-52.2% |