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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 | $31,502 | $112,729-72.1% | $98,716-68.1% | $137,256-77.0% |
| Participation rate | 79.2% | 74.2%+4.9pp | 69.3%+9.9pp | 80.0%-0.8pp |
| Annual return | 13.35% | 38.48%-25.1pp | 31.81%-18.5pp | 220.34%-207.0pp |
| Employer contribution / active EE | $1,036 | $2,725-62.0% | $2,279-54.5% | $4,156-75.1% |
| Participant deferral / active EE | $1,117 | $4,640-75.9% | $4,048-72.4% | $6,407-82.6% |
| Admin fee / account holder | $572 | $10,129-94.4% | $8,703-93.4% | $12,270-95.3% |