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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 | $101,809 | $93,345+9.1% | $119,126-14.5% | $87,485+16.4% |
| Participation rate | 93.5% | 68.7%+24.8pp | 75.8%+17.8pp | 68.9%+24.6pp |
| Annual return | 18.06% | 19.08%-1.0pp | 282.11%-264.0pp | 26.06%-8.0pp |
| Employer contribution / active EE | $3,248 | $3,172+2.4% | $4,034-19.5% | $2,596+25.1% |
| Participant deferral / active EE | $1,359 | $4,099-66.8% | $5,318-74.4% | $4,274-68.2% |
| Admin fee / account holder | $3,118 | $8,039-61.2% | $10,693-70.8% | $7,775-59.9% |