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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 | $53,753 | $72,269-25.6% | $101,271-46.9% | $79,852-32.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 11.85% | 22.29%-10.4pp | 46.48%-34.6pp | 31.72%-19.9pp |
| Employer contribution / active EE | $11,742 | $2,692+336.2% | $3,660+220.8% | $2,471+375.2% |
| Participant deferral / active EE | $1,210 | $3,282-63.1% | $4,371-72.3% | $3,740-67.7% |
| Admin fee / account holder | $3,391 | $4,401-22.9% | $5,948-43.0% | $5,306-36.1% |