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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 | $20,733 | $148,623-86.0% | $135,974-84.8% | $139,466-85.1% |
| Participation rate | 94.1% | 83.9%+10.3pp | 81.9%+12.2pp | 80.3%+13.8pp |
| Annual return | 15.36% | 79.30%-63.9pp | 68.30%-52.9pp | 373.66%-358.3pp |
| Employer contribution / active EE | $1,744 | $5,246-66.7% | $4,859-64.1% | $4,754-63.3% |
| Participant deferral / active EE | $2,095 | $8,103-74.1% | $7,760-73.0% | $6,712-68.8% |
| Admin fee / account holder | $2,400 | $12,406-80.7% | $10,767-77.7% | $11,409-79.0% |