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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 | $171,185 | $209,422-18.3% | $178,503-4.1% | $158,982+7.7% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 17.99% | 188.81%-170.8pp | 151.12%-133.1pp | 302.99%-285.0pp |
| Employer contribution / active EE | $1,329 | $5,707-76.7% | $5,011-73.5% | $4,763-72.1% |
| Participant deferral / active EE | $1,854 | $5,955-68.9% | $5,202-64.4% | $5,983-69.0% |
| Admin fee / account holder | $1,287 | $17,079-92.5% | $13,987-90.8% | $11,252-88.6% |