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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 | $170,673 | $112,729+51.4% | $98,716+72.9% | $137,256+24.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.26% | 38.48%-22.2pp | 31.81%-15.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,039 | $2,725-25.2% | $2,279-10.5% | $4,156-50.9% |
| Participant deferral / active EE | $118 | $4,640-97.5% | $4,048-97.1% | $6,407-98.2% |
| Admin fee / account holder | $1,916 | $10,129-81.1% | $8,703-78.0% | $12,270-84.4% |