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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 | $17,043 | $88,672-80.8% | $105,223-83.8% | $82,448-79.3% |
| Participation rate | 72.5% | 67.9%+4.5pp | 75.0%-2.6pp | 68.1%+4.4pp |
| Annual return | 15.42% | 30.86%-15.4pp | 180.65%-165.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,123 | $3,048-63.2% | $3,689-69.6% | $2,551-56.0% |
| Participant deferral / active EE | $2,437 | $4,036-39.6% | $5,072-52.0% | $4,139-41.1% |
| Admin fee / account holder | $941 | $7,146-86.8% | $8,859-89.4% | $7,234-87.0% |