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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 | $113,791 | $160,070-28.9% | $147,117-22.7% | $145,897-22.0% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 12.39% | 98.69%-86.3pp | 420.54%-408.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $1,137 | $5,285-78.5% | $4,932-76.9% | $4,663-75.6% |
| Participant deferral / active EE | $1,507 | $8,419-82.1% | $8,065-81.3% | $6,689-77.5% |
| Admin fee / account holder | $23,675 | $15,035+57.5% | $12,993+82.2% | $13,390+76.8% |