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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 | $52,114 | $117,846-55.8% | $102,434-49.1% | $145,884-64.3% |
| Participation rate | 89.5% | 78.6%+10.9pp | 76.5%+13.0pp | 80.3%+9.2pp |
| Annual return | 13.16% | 31.90%-18.7pp | 29.46%-16.3pp | 551.85%-538.7pp |
| Employer contribution / active EE | $1,791 | $3,615-50.5% | $3,023-40.8% | $4,662-61.6% |
| Participant deferral / active EE | $1,578 | $5,733-72.5% | $5,055-68.8% | $6,690-76.4% |
| Admin fee / account holder | $641 | $13,356-95.2% | $9,462-93.2% | $13,392-95.2% |