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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 | $39,994 | $102,638-61.0% | $81,991-51.2% | $158,966-74.8% |
| Participation rate | 70.0% | 75.5%-5.5pp | 69.3%+0.7pp | 82.0%-12.0pp |
| Annual return | 13.97% | 61.05%-47.1pp | 41.31%-27.3pp | 302.95%-289.0pp |
| Employer contribution / active EE | $0 | $3,241-100.0% | $2,498-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $833 | $4,649-82.1% | $3,722-77.6% | $5,983-86.1% |
| Admin fee / account holder | $1,592 | $8,237-80.7% | $5,665-71.9% | $11,250-85.9% |