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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 | $103,304 | $152,619-32.3% | $125,195-17.5% | $152,909-32.4% |
| Participation rate | 84.6% | 83.3%+1.3pp | 79.8%+4.8pp | 82.5%+2.2pp |
| Annual return | 18.39% | 54.85%-36.5pp | 43.79%-25.4pp | 345.46%-327.1pp |
| Employer contribution / active EE | $6,673 | $4,947+34.9% | $3,866+72.6% | $4,764+40.1% |
| Participant deferral / active EE | $1,435 | $5,869-75.6% | $4,937-70.9% | $5,851-75.5% |
| Admin fee / account holder | $1,750 | $13,437-87.0% | $9,704-82.0% | $11,601-84.9% |