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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 | $102,244 | $112,131-8.8% | $95,964+6.5% | $158,982-35.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 17.32% | 171.19%-153.9pp | 91.64%-74.3pp | 302.99%-285.7pp |
| Employer contribution / active EE | $11,441 | $3,199+257.6% | $2,541+350.2% | $4,763+140.2% |
| Participant deferral / active EE | $1,280 | $4,784-73.2% | $4,167-69.3% | $5,983-78.6% |
| Admin fee / account holder | $366 | $10,136-96.4% | $6,797-94.6% | $11,252-96.7% |