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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 | $235,513 | $148,629+58.5% | $135,982+73.2% | $139,487+68.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.80% | 79.33%-59.5pp | 68.32%-48.5pp | 373.84%-354.0pp |
| Employer contribution / active EE | $1,351 | $5,247-74.3% | $4,859-72.2% | $4,755-71.6% |
| Participant deferral / active EE | $1,904 | $8,102-76.5% | $7,760-75.5% | $6,713-71.6% |
| Admin fee / account holder | $6,439 | $12,406-48.1% | $10,767-40.2% | $11,407-43.6% |