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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 | $113,225 | $217,432-47.9% | $185,849-39.1% | $167,536-32.4% |
| Participation rate | 90.0% | 86.1%+3.9pp | 81.7%+8.3pp | 82.1%+7.9pp |
| Annual return | 114.66% | 148.42%-33.8pp | 122.10%-7.4pp | 478.82%-364.2pp |
| Employer contribution / active EE | $4,459 | $5,875-24.1% | $5,169-13.7% | $4,839-7.9% |
| Participant deferral / active EE | $2,226 | $6,357-65.0% | $5,569-60.0% | $6,342-64.9% |
| Admin fee / account holder | $560 | $19,818-97.2% | $16,244-96.6% | $12,315-95.5% |