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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 | $228,543 | $114,093+100.3% | $96,171+137.6% | $167,536+36.4% |
| Participation rate | 85.7% | 75.1%+10.7pp | 68.4%+17.3pp | 82.1%+3.6pp |
| Annual return | 9.66% | 190.00%-180.3pp | 192.04%-182.4pp | 478.82%-469.2pp |
| Employer contribution / active EE | $0 | $3,429-100.0% | $2,799-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $593 | $5,197-88.6% | $4,350-86.4% | $6,342-90.7% |
| Admin fee / account holder | $250,500 | $6,899+3530.8% | $5,538+4423.0% | $12,315+1934.2% |