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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 | $35,269 | $94,031-62.5% | $115,768-69.5% | $82,448-57.2% |
| Participation rate | 72.3% | 70.4%+1.9pp | 74.4%-2.1pp | 68.1%+4.2pp |
| Annual return | 15.50% | 20.61%-5.1pp | 100.46%-85.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,322 | $2,323-43.1% | $2,940-55.0% | $2,551-48.2% |
| Participant deferral / active EE | $1,641 | $3,972-58.7% | $4,917-66.6% | $4,139-60.4% |
| Admin fee / account holder | $1,077 | $10,249-89.5% | $12,439-91.3% | $7,234-85.1% |