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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 | $58,875 | $150,442-60.9% | $136,295-56.8% | $147,585-60.1% |
| Participation rate | 85.7% | 84.4%+1.3pp | 81.9%+3.8pp | 82.8%+2.9pp |
| Annual return | 15.34% | 1049.09%-1033.8pp | 5155.97%-5140.6pp | 578.56%-563.2pp |
| Employer contribution / active EE | $1,497 | $5,256-71.5% | $4,695-68.1% | $4,876-69.3% |
| Participant deferral / active EE | $1,888 | $6,630-71.5% | $6,247-69.8% | $5,439-65.3% |
| Admin fee / account holder | $502 | $10,905-95.4% | $9,243-94.6% | $10,885-95.4% |