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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 | $52,401 | $107,353-51.2% | $92,903-43.6% | $152,885-65.7% |
| Participation rate | 83.3% | 79.8%+3.5pp | 76.0%+7.3pp | 82.5%+0.9pp |
| Annual return | 16.77% | 145.62%-128.8pp | 109.43%-92.7pp | 345.39%-328.6pp |
| Employer contribution / active EE | $8,931 | $4,222+111.6% | $3,653+144.5% | $4,763+87.5% |
| Participant deferral / active EE | $1,256 | $4,848-74.1% | $4,238-70.4% | $5,851-78.5% |
| Admin fee / account holder | $14,136 | $7,081+99.6% | $5,795+143.9% | $11,598+21.9% |