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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 | $144,890 | $154,228-6.1% | $145,433-0.4% | $137,256+5.6% |
| Participation rate | 93.8% | 83.8%+10.0pp | 82.1%+11.6pp | 80.0%+13.8pp |
| Annual return | 16.39% | 74.59%-58.2pp | 66.58%-50.2pp | 220.34%-204.0pp |
| Employer contribution / active EE | $3,125 | $4,804-34.9% | $4,554-31.4% | $4,156-24.8% |
| Participant deferral / active EE | $1,571 | $8,216-80.9% | $7,897-80.1% | $6,407-75.5% |
| Admin fee / account holder | $3,974 | $14,344-72.3% | $13,129-69.7% | $12,270-67.6% |