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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 | $110,202 | $156,398-29.5% | $147,318-25.2% | $138,895-20.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 15.06% | 78.75%-63.7pp | 70.43%-55.4pp | 145.39%-130.3pp |
| Employer contribution / active EE | $6,584 | $4,853+35.7% | $4,593+43.4% | $4,194+57.0% |
| Participant deferral / active EE | $2,244 | $8,237-72.8% | $7,906-71.6% | $6,396-64.9% |
| Admin fee / account holder | $5,359 | $14,976-64.2% | $13,708-60.9% | $12,562-57.3% |