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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 | $110,760 | $73,988+49.7% | $96,538+14.7% | $75,177+47.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 17.07% | 26.73%-9.7pp | 35.74%-18.7pp | 160.75%-143.7pp |
| Employer contribution / active EE | $5,955 | $2,930+103.2% | $3,740+59.2% | $2,671+123.0% |
| Participant deferral / active EE | $1,171 | $3,660-68.0% | $4,880-76.0% | $4,126-71.6% |
| Admin fee / account holder | $1,268 | $5,220-75.7% | $6,737-81.2% | $5,651-77.6% |