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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 | $93,082 | $172,111-45.9% | $150,298-38.1% | $137,256-32.2% |
| Participation rate | 84.6% | 81.7%+2.9pp | 77.8%+6.9pp | 80.0%+4.7pp |
| Annual return | 16.23% | 69.37%-53.1pp | 62.79%-46.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $6,407 | $4,636+38.2% | $4,154+54.2% | $4,156+54.2% |
| Participant deferral / active EE | $477 | $6,166-92.3% | $5,453-91.3% | $6,407-92.6% |
| Admin fee / account holder | $1,633 | $16,471-90.1% | $14,116-88.4% | $12,270-86.7% |