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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 | $63,797 | $95,404-33.1% | $113,397-43.7% | $82,637-22.8% |
| Participation rate | 87.0% | 72.8%+14.1pp | 76.5%+10.5pp | 68.1%+18.9pp |
| Annual return | 12.22% | 19.08%-6.9pp | 23.20%-11.0pp | 53.51%-41.3pp |
| Employer contribution / active EE | $3,023 | $2,307+31.0% | $2,977+1.5% | $2,552+18.4% |
| Participant deferral / active EE | $891 | $4,220-78.9% | $5,076-82.4% | $4,126-78.4% |
| Admin fee / account holder | $7,782 | $9,168-15.1% | $11,957-34.9% | $7,339+6.0% |