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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 | $24,118 | $103,393-76.7% | $87,103-72.3% | $152,909-84.2% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.9%+13.1pp | 82.5%+7.5pp |
| Annual return | 20.78% | 28.10%-7.3pp | 28.19%-7.4pp | 345.46%-324.7pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,024 | $4,778-78.6% | $4,049-74.7% | $5,851-82.5% |
| Admin fee / account holder | $335 | $12,195-97.3% | $7,491-95.5% | $11,601-97.1% |