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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 | $135,889 | $88,707+53.2% | $74,184+83.2% | $273,972-50.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.89% | 11.94%-4.1pp | 17.74%-9.8pp | 41.46%-33.6pp |
| Employer contribution / active EE | $10,000 | $3,159+216.5% | $2,370+321.9% | $4,869+105.4% |
| Participant deferral / active EE | $949 | $4,212-77.5% | $3,550-73.3% | $5,287-82.1% |
| Admin fee / account holder | $8,423 | $8,717-3.4% | $5,586+50.8% | $10,133-16.9% |