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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 | $97,496 | $96,731+0.8% | $123,973-21.4% | $86,983+12.1% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 12.48% | 17.33%-4.8pp | 388.13%-375.6pp | 25.83%-13.3pp |
| Employer contribution / active EE | $6,326 | $3,297+91.9% | $4,126+53.3% | $2,584+144.8% |
| Participant deferral / active EE | $1,386 | $4,152-66.6% | $5,247-73.6% | $4,194-67.0% |
| Admin fee / account holder | $6,371 | $8,722-27.0% | $11,799-46.0% | $7,856-18.9% |