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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 | $201,074 | $157,296+27.8% | $141,191+42.4% | $152,897+31.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.07% | 64.34%-39.3pp | 71.41%-46.3pp | 345.43%-320.4pp |
| Employer contribution / active EE | $4,894 | $5,262-7.0% | $4,736+3.3% | $4,764+2.7% |
| Participant deferral / active EE | $1,829 | $7,111-74.3% | $6,710-72.7% | $5,851-68.7% |
| Admin fee / account holder | $408 | $12,125-96.6% | $10,264-96.0% | $11,599-96.5% |