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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 | $71,230-52.4% | $93,727-63.8% | $80,959-58.1% |
| Participation rate | 78.1% | 60.4%+17.7pp | 68.7%+9.4pp | 67.7%+10.4pp |
| Annual return | 11.97% | 11.26%+0.7pp | 133.83%-121.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $880 | $1,565-43.8% | $2,421-63.7% | $2,757-68.1% |
| Participant deferral / active EE | $1,211 | $4,037-70.0% | $4,417-72.6% | $4,300-71.8% |
| Admin fee / account holder | $1,145 | $6,961-83.6% | $8,292-86.2% | $6,925-83.5% |