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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 | $96,344 | $184,000-47.6% | $162,185-40.6% | $152,909-37.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 17.88% | 150.80%-132.9pp | 115.61%-97.7pp | 345.46%-327.6pp |
| Employer contribution / active EE | $1,568 | $6,370-75.4% | $5,613-72.1% | $4,764-67.1% |
| Participant deferral / active EE | $2,823 | $8,033-64.9% | $7,297-61.3% | $5,851-51.7% |
| Admin fee / account holder | $5,371 | $13,124-59.1% | $10,844-50.5% | $11,601-53.7% |