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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 | $56,467 | $77,358-27.0% | $102,184-44.7% | $87,485-35.5% |
| Participation rate | 100.0% | 78.7%+21.3pp | 82.6%+17.4pp | 68.9%+31.1pp |
| Annual return | 14.45% | 41.11%-26.7pp | 31.58%-17.1pp | 26.06%-11.6pp |
| Employer contribution / active EE | $5,658 | $2,562+120.8% | $3,594+57.4% | $2,596+117.9% |
| Participant deferral / active EE | $2,671 | $6,753-60.4% | $8,309-67.9% | $4,274-37.5% |
| Admin fee / account holder | $1,045 | $6,809-84.6% | $11,609-91.0% | $7,775-86.6% |