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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 | $57,146 | $135,956-58.0% | $123,894-53.9% | $273,972-79.1% |
| Participation rate | 83.3% | 84.1%-0.7pp | 81.4%+1.9pp | 83.0%+0.3pp |
| Annual return | 65.92% | 56.63%+9.3pp | 47.52%+18.4pp | 41.46%+24.5pp |
| Employer contribution / active EE | $1,391 | $5,170-73.1% | $4,617-69.9% | $4,869-71.4% |
| Participant deferral / active EE | $1,660 | $6,343-73.8% | $5,984-72.3% | $5,287-68.6% |
| Admin fee / account holder | $596 | $9,817-93.9% | $8,357-92.9% | $10,133-94.1% |