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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 | $37,581 | $160,070-76.5% | $147,117-74.5% | $145,897-74.2% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 15.57% | 98.69%-83.1pp | 420.54%-405.0pp | 552.29%-536.7pp |
| Employer contribution / active EE | $18,284 | $5,285+246.0% | $4,932+270.7% | $4,663+292.1% |
| Participant deferral / active EE | $757 | $8,419-91.0% | $8,065-90.6% | $6,689-88.7% |
| Admin fee / account holder | $18,987 | $15,035+26.3% | $12,993+46.1% | $13,390+41.8% |