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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 | $88,672+48.1% | $105,223+24.8% | $82,448+59.3% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 13.11% | 30.86%-17.7pp | 180.65%-167.5pp | 41.64%-28.5pp |
| Employer contribution / active EE | $7,380 | $3,048+142.1% | $3,689+100.1% | $2,551+189.3% |
| Participant deferral / active EE | $415 | $4,036-89.7% | $5,072-91.8% | $4,139-90.0% |
| Admin fee / account holder | $31,828 | $7,146+345.4% | $8,859+259.3% | $7,234+340.0% |