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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 | $206,941 | $157,296+31.6% | $141,191+46.6% | $152,897+35.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 36.47% | 64.34%-27.9pp | 71.41%-34.9pp | 345.43%-309.0pp |
| Employer contribution / active EE | $3,966 | $5,262-24.6% | $4,736-16.3% | $4,764-16.7% |
| Participant deferral / active EE | $836 | $7,111-88.2% | $6,710-87.5% | $5,851-85.7% |
| Admin fee / account holder | $14,639 | $12,125+20.7% | $10,264+42.6% | $11,599+26.2% |