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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 | $23,195 | $129,737-82.1% | $119,126-80.5% | $154,746-85.0% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 10.41% | 379.08%-368.7pp | 282.11%-271.7pp | 172.34%-161.9pp |
| Employer contribution / active EE | $14,782 | $4,375+237.9% | $4,034+266.5% | $4,379+237.6% |
| Participant deferral / active EE | $1,417 | $5,842-75.7% | $5,318-73.3% | $6,730-78.9% |
| Admin fee / account holder | $1,468 | $11,961-87.7% | $10,693-86.3% | $14,365-89.8% |