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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 | $89,321 | $163,687-45.4% | $108,745-17.9% | $273,972-67.4% |
| Participation rate | 90.5% | 82.3%+8.2pp | 77.7%+12.8pp | 83.0%+7.5pp |
| Annual return | 10.02% | 31.16%-21.1pp | 46.22%-36.2pp | 41.46%-31.4pp |
| Employer contribution / active EE | $4,515 | $4,711-4.2% | $3,323+35.9% | $4,869-7.3% |
| Participant deferral / active EE | $4 | $7,155-99.9% | $5,121-99.9% | $5,287-99.9% |
| Admin fee / account holder | $413 | $12,890-96.8% | $6,144-93.3% | $10,133-95.9% |