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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 | $150,787 | $202,342-25.5% | $172,753-12.7% | $152,909-1.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 21.86% | 1029.88%-1008.0pp | 803.00%-781.1pp | 345.46%-323.6pp |
| Employer contribution / active EE | $1,780 | $5,857-69.6% | $5,144-65.4% | $4,764-62.6% |
| Participant deferral / active EE | $1,380 | $5,948-76.8% | $5,198-73.4% | $5,851-76.4% |
| Admin fee / account holder | $1,377 | $17,112-92.0% | $13,956-90.1% | $11,601-88.1% |