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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 | $33,936 | $71,208-52.3% | $93,681-63.8% | $80,911-58.1% |
| Participation rate | 78.1% | 60.4%+17.7pp | 68.7%+9.4pp | 67.6%+10.4pp |
| Annual return | 11.97% | 11.27%+0.7pp | 133.47%-121.5pp | 35.63%-23.7pp |
| Employer contribution / active EE | $880 | $1,564-43.8% | $2,422-63.7% | $2,756-68.1% |
| Participant deferral / active EE | $1,211 | $4,035-70.0% | $4,415-72.6% | $4,297-71.8% |
| Admin fee / account holder | $1,145 | $6,951-83.5% | $8,290-86.2% | $6,935-83.5% |