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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 | $104,918 | $106,280-1.3% | $96,538+8.7% | $139,487-24.8% |
| Participation rate | 85.7% | 77.8%+7.9pp | 74.3%+11.4pp | 80.3%+5.4pp |
| Annual return | 14.05% | 38.48%-24.4pp | 35.74%-21.7pp | 373.84%-359.8pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,355 | $5,457-75.2% | $4,880-72.2% | $6,713-79.8% |
| Admin fee / account holder | $948 | $7,888-88.0% | $6,737-85.9% | $11,407-91.7% |