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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 | $50,465 | $215,361-76.6% | $171,082-70.5% | $273,972-81.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 4.02% | 25.14%-21.1pp | 32.56%-28.5pp | 41.46%-37.4pp |
| Employer contribution / active EE | $17,830 | $4,967+259.0% | $4,002+345.5% | $4,869+266.2% |
| Participant deferral / active EE | $0 | $5,543-100.0% | $4,797-100.0% | $5,287-100.0% |
| Admin fee / account holder | $407 | $10,846-96.2% | $8,520-95.2% | $10,133-96.0% |