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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 | $56,726 | $154,754-63.3% | $124,206-54.3% | $138,895-59.2% |
| Participation rate | 76.5% | 75.5%+1.0pp | 69.6%+6.9pp | 79.9%-3.4pp |
| Annual return | 15.63% | 709.28%-693.6pp | 515.27%-499.6pp | 145.39%-129.8pp |
| Employer contribution / active EE | $1,075 | $4,446-75.8% | $3,540-69.6% | $4,194-74.4% |
| Participant deferral / active EE | $225 | $4,621-95.1% | $3,968-94.3% | $6,396-96.5% |
| Admin fee / account holder | $541 | $6,690-91.9% | $5,929-90.9% | $12,562-95.7% |