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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 | $124,401 | $167,362-25.7% | $143,799-13.5% | $134,532-7.5% |
| Participation rate | 95.2% | 84.8%+10.4pp | 80.3%+14.9pp | 81.2%+14.0pp |
| Annual return | -13.99% | 0.47%-14.5pp | -0.04%-13.9pp | 418.27%-432.3pp |
| Employer contribution / active EE | $1,289 | $5,620-77.1% | $4,952-74.0% | $4,741-72.8% |
| Participant deferral / active EE | $1,656 | $6,447-74.3% | $5,638-70.6% | $6,401-74.1% |
| Admin fee / account holder | $21,234 | $18,094+17.4% | $14,677+44.7% | $11,429+85.8% |