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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 | $74,781 | $217,432-65.6% | $185,849-59.8% | $167,536-55.4% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 23.47% | 148.42%-124.9pp | 122.10%-98.6pp | 478.82%-455.3pp |
| Employer contribution / active EE | $9,376 | $5,875+59.6% | $5,169+81.4% | $4,839+93.8% |
| Participant deferral / active EE | $1,244 | $6,357-80.4% | $5,569-77.7% | $6,342-80.4% |
| Admin fee / account holder | $1,383 | $19,818-93.0% | $16,244-91.5% | $12,315-88.8% |