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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 | $21,006 | $102,385-79.5% | $147,080-85.7% | $80,935-74.0% |
| Participation rate | 78.0% | 75.9%+2.2pp | 82.2%-4.1pp | 67.7%+10.4pp |
| Annual return | 12.67% | 135.09%-122.4pp | 420.17%-407.5pp | 35.66%-23.0pp |
| Employer contribution / active EE | $3,827 | $3,717+3.0% | $4,933-22.4% | $2,757+38.8% |
| Participant deferral / active EE | $7,965 | $6,651+19.8% | $8,066-1.3% | $4,299+85.3% |
| Admin fee / account holder | $6,899 | $7,951-13.2% | $12,989-46.9% | $6,924-0.4% |