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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 | $82,567 | $73,978+11.6% | $96,515-14.5% | $75,173+9.8% |
| Participation rate | 77.8% | 66.4%+11.3pp | 74.3%+3.4pp | 67.2%+10.6pp |
| Annual return | 16.86% | 26.72%-9.9pp | 35.73%-18.9pp | 160.72%-143.9pp |
| Employer contribution / active EE | $7,668 | $2,931+161.6% | $3,740+105.0% | $2,671+187.1% |
| Participant deferral / active EE | $918 | $3,660-74.9% | $4,880-81.2% | $4,126-77.8% |
| Admin fee / account holder | $1,584 | $5,219-69.7% | $6,735-76.5% | $5,651-72.0% |