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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 | $20,721 | $76,407-72.9% | $150,298-86.2% | $82,448-74.9% |
| Participation rate | 88.9% | 66.4%+22.5pp | 77.8%+11.1pp | 68.1%+20.8pp |
| Annual return | 16.13% | 39.99%-23.9pp | 62.79%-46.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $516 | $2,614-80.3% | $4,154-87.6% | $2,551-79.8% |
| Participant deferral / active EE | $659 | $3,214-79.5% | $5,453-87.9% | $4,139-84.1% |
| Admin fee / account holder | $1,102 | $6,352-82.6% | $14,116-92.2% | $7,234-84.8% |