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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 | $42,093 | $115,225-63.5% | $100,712-58.2% | $138,895-69.7% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 15.90% | 40.35%-24.5pp | 33.27%-17.4pp | 145.39%-129.5pp |
| Employer contribution / active EE | $8,177 | $2,771+195.1% | $2,313+253.5% | $4,194+94.9% |
| Participant deferral / active EE | $849 | $4,699-81.9% | $4,085-79.2% | $6,396-86.7% |
| Admin fee / account holder | $12,075 | $10,844+11.4% | $9,256+30.5% | $12,562-3.9% |