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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 | $66,466 | $181,896-63.5% | $156,551-57.5% | $273,972-75.7% |
| Participation rate | 85.7% | 88.4%-2.7pp | 84.0%+1.7pp | 83.0%+2.7pp |
| Annual return | 6.32% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $1,532 | $6,248-75.5% | $5,501-72.2% | $4,869-68.5% |
| Participant deferral / active EE | $1,665 | $5,550-70.0% | $4,871-65.8% | $5,287-68.5% |
| Admin fee / account holder | $4,055 | $15,560-73.9% | $13,028-68.9% | $10,133-60.0% |