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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $232,739 | $183,592+26.8% | $155,574+49.6% | $145,877+59.5% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 14.04% | 61.37%-47.3pp | 64.87%-50.8pp | 551.28%-537.2pp |
| Employer contribution / active EE | $3,589 | $5,317-32.5% | $4,676-23.2% | $4,663-23.0% |
| Participant deferral / active EE | $695 | $6,466-89.3% | $5,629-87.7% | $6,691-89.6% |
| Admin fee / account holder | $22,615 | $19,316+17.1% | $15,914+42.1% | $13,402+68.7% |