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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 | $11,429 | $111,535-89.8% | $105,223-89.1% | $137,256-91.7% |
| Participation rate | 72.7% | 78.1%-5.4pp | 75.0%-2.3pp | 80.0%-7.2pp |
| Annual return | 17.80% | 237.85%-220.1pp | 180.65%-162.9pp | 220.34%-202.5pp |
| Employer contribution / active EE | $830 | $3,939-78.9% | $3,689-77.5% | $4,156-80.0% |
| Participant deferral / active EE | $1,314 | $5,500-76.1% | $5,072-74.1% | $6,407-79.5% |
| Admin fee / account holder | $339 | $9,721-96.5% | $8,859-96.2% | $12,270-97.2% |