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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 | $15,656 | $76,407-79.5% | $150,298-89.6% | $82,448-81.0% |
| Participation rate | 76.9% | 66.4%+10.5pp | 77.8%-0.8pp | 68.1%+8.9pp |
| Annual return | 15.24% | 39.99%-24.8pp | 62.79%-47.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $893 | $2,614-65.8% | $4,154-78.5% | $2,551-65.0% |
| Participant deferral / active EE | $435 | $3,214-86.5% | $5,453-92.0% | $4,139-89.5% |
| Admin fee / account holder | $588 | $6,352-90.8% | $14,116-95.8% | $7,234-91.9% |