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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 | $30,297 | $197,603-84.7% | $177,827-83.0% | $158,950-80.9% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.7%-7.7pp | 82.0%-2.0pp |
| Annual return | 10.91% | 58.76%-47.8pp | 48.32%-37.4pp | 302.91%-292.0pp |
| Employer contribution / active EE | $2,249 | $6,698-66.4% | $5,918-62.0% | $4,762-52.8% |
| Participant deferral / active EE | $6,520 | $8,404-22.4% | $7,713-15.5% | $5,983+9.0% |
| Admin fee / account holder | $3,869 | $15,402-74.9% | $12,429-68.9% | $11,248-65.6% |