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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 | $104,670 | $89,370+17.1% | $141,197-25.9% | $72,976+43.4% |
| Participation rate | 96.6% | 75.1%+21.4pp | 82.5%+14.1pp | 69.5%+27.1pp |
| Annual return | 23.58% | 111.88%-88.3pp | 71.41%-47.8pp | 81.02%-57.4pp |
| Employer contribution / active EE | $7,164 | $3,115+130.0% | $4,736+51.3% | $2,440+193.6% |
| Participant deferral / active EE | $1,131 | $5,419-79.1% | $6,710-83.1% | $3,608-68.6% |
| Admin fee / account holder | $2,593 | $5,957-56.5% | $10,265-74.7% | $5,124-49.4% |