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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 | $6,914 | $73,978-90.7% | $96,515-92.8% | $75,173-90.8% |
| Participation rate | 71.6% | 66.4%+5.2pp | 74.3%-2.7pp | 67.2%+4.4pp |
| Annual return | 26.69% | 26.72%0pp | 35.73%-9.0pp | 160.72%-134.0pp |
| Employer contribution / active EE | $966 | $2,931-67.0% | $3,740-74.2% | $2,671-63.8% |
| Participant deferral / active EE | $2,376 | $3,660-35.1% | $4,880-51.3% | $4,126-42.4% |
| Admin fee / account holder | $373 | $5,219-92.9% | $6,735-94.5% | $5,651-93.4% |