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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 | $67,786 | $113,941-40.5% | $94,229-28.1% | $125,389-45.9% |
| Participation rate | 83.3% | 82.9%+0.4pp | 78.8%+4.6pp | 83.2%+0.1pp |
| Annual return | -0.98% | 5.29%-6.3pp | 10.68%-11.7pp | 282.24%-283.2pp |
| Employer contribution / active EE | $828 | $4,727-82.5% | $3,587-76.9% | $4,866-83.0% |
| Participant deferral / active EE | $1,061 | $5,179-79.5% | $4,320-75.5% | $5,352-80.2% |
| Admin fee / account holder | $964 | $8,392-88.5% | $6,269-84.6% | $9,541-89.9% |