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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 | $53,177 | $190,879-72.1% | $160,009-66.8% | $134,532-60.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -16.11% | 552.63%-568.7pp | 408.85%-425.0pp | 418.27%-434.4pp |
| Employer contribution / active EE | $39,304 | $4,995+686.9% | $4,225+830.2% | $4,741+729.0% |
| Participant deferral / active EE | $778 | $6,924-88.8% | $6,183-87.4% | $6,401-87.8% |
| Admin fee / account holder | $1,044 | $10,495-90.0% | $8,715-88.0% | $11,429-90.9% |