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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 | $118,331 | $196,972-39.9% | $182,262-35.1% | $198,609-40.4% |
| Participation rate | 83.3% | 85.7%-2.4pp | 84.2%-0.9pp | 82.4%+1.0pp |
| Annual return | 14.81% | 158.27%-143.5pp | 140.60%-125.8pp | 202.70%-187.9pp |
| Employer contribution / active EE | $1,728 | $5,364-67.8% | $5,046-65.7% | $5,055-65.8% |
| Participant deferral / active EE | $3,012 | $8,643-65.1% | $8,276-63.6% | $6,977-56.8% |
| Admin fee / account holder | $5,724 | $18,429-68.9% | $16,712-65.8% | $19,030-69.9% |