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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 | $47,420 | $98,766-52.0% | $149,730-68.3% | $79,852-40.6% |
| Participation rate | 90.5% | 75.8%+14.7pp | 82.5%+8.0pp | 69.6%+20.8pp |
| Annual return | 16.94% | 27.43%-10.5pp | 276.70%-259.8pp | 31.72%-14.8pp |
| Employer contribution / active EE | $1,694 | $3,217-47.4% | $4,645-63.5% | $2,471-31.5% |
| Participant deferral / active EE | $2,217 | $5,681-61.0% | $6,843-67.6% | $3,740-40.7% |
| Admin fee / account holder | $1,468 | $6,052-75.7% | $9,310-84.2% | $5,306-72.3% |