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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 | $131,352 | $105,284+24.8% | $150,734-12.9% | $94,015+39.7% |
| Participation rate | 100.0% | 71.7%+28.3pp | 78.4%+21.6pp | 70.8%+29.2pp |
| Annual return | 13.11% | 15.67%-2.6pp | 600.81%-587.7pp | 17.84%-4.7pp |
| Employer contribution / active EE | $7,380 | $3,599+105.1% | $4,918+50.0% | $2,790+164.5% |
| Participant deferral / active EE | $415 | $4,274-90.3% | $5,610-92.6% | $4,249-90.2% |
| Admin fee / account holder | $31,828 | $9,839+223.5% | $14,905+113.5% | $8,951+255.6% |