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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 | $87,357 | $136,307-35.9% | $106,619-18.1% | $273,972-68.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 78.0%+22.0pp | 83.0%+17.0pp |
| Annual return | 7.38% | 11.05%-3.7pp | 9.42%-2.0pp | 41.46%-34.1pp |
| Employer contribution / active EE | $17,733 | $5,190+241.7% | $3,947+349.3% | $4,869+264.2% |
| Participant deferral / active EE | $1,038 | $4,969-79.1% | $3,930-73.6% | $5,287-80.4% |
| Admin fee / account holder | $1,080 | $8,625-87.5% | $6,418-83.2% | $10,133-89.3% |