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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 | $67,147 | $73,988-9.2% | $96,538-30.4% | $75,177-10.7% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 14.32% | 26.73%-12.4pp | 35.74%-21.4pp | 160.75%-146.4pp |
| Employer contribution / active EE | $20,791 | $2,930+609.5% | $3,740+455.9% | $2,671+678.4% |
| Participant deferral / active EE | $1,096 | $3,660-70.1% | $4,880-77.5% | $4,126-73.4% |
| Admin fee / account holder | $2,555 | $5,220-51.1% | $6,737-62.1% | $5,651-54.8% |