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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 | $24,462 | $63,346-61.4% | $92,240-73.5% | $70,126-65.1% |
| Participation rate | 84.7% | 68.7%+16.0pp | 76.5%+8.2pp | 69.5%+15.2pp |
| Annual return | 18.64% | 530.19%-511.5pp | 176.29%-157.6pp | 73.15%-54.5pp |
| Employer contribution / active EE | $2,459 | $2,471-0.5% | $3,680-33.2% | $2,343+5.0% |
| Participant deferral / active EE | $761 | $2,854-73.3% | $3,897-80.5% | $3,332-77.2% |
| Admin fee / account holder | $2,139 | $3,841-44.3% | $5,194-58.8% | $4,645-53.9% |