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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 | $33,192 | $101,591-67.3% | $147,096-77.4% | $74,429-55.4% |
| Participation rate | 76.5% | 75.5%+0.9pp | 82.2%-5.7pp | 67.2%+9.3pp |
| Annual return | 16.03% | 8746.45%-8730.4pp | 419.75%-403.7pp | 1368.38%-1352.4pp |
| Employer contribution / active EE | $1,870 | $3,813-51.0% | $4,936-62.1% | $2,625-28.8% |
| Participant deferral / active EE | $2,614 | $7,302-64.2% | $8,071-67.6% | $4,348-39.9% |
| Admin fee / account holder | $1,942 | $1,750+11.0% | $13,005-85.1% | $1,944-0.1% |