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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 | $138,344 | $124,314+11.3% | $109,163+26.7% | $167,518-17.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 10.35% | 26.04%-15.7pp | 25.75%-15.4pp | 478.71%-468.4pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,239 | $5,256-76.4% | $4,654-73.4% | $6,342-80.5% |
| Admin fee / account holder | $1,196 | $7,973-85.0% | $6,754-82.3% | $12,312-90.3% |