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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 | $13,522 | $134,001-89.9% | $112,258-88.0% | $134,509-89.9% |
| Participation rate | 89.5% | 78.6%+10.9pp | 75.1%+14.4pp | 81.2%+8.2pp |
| Annual return | -16.84% | 47.15%-64.0pp | 27.47%-44.3pp | 418.13%-435.0pp |
| Employer contribution / active EE | $5,435 | $4,039+34.5% | $3,636+49.5% | $4,741+14.6% |
| Participant deferral / active EE | $1,056 | $5,291-80.0% | $4,728-77.7% | $6,400-83.5% |
| Admin fee / account holder | $1,414 | $7,491-81.1% | $6,411-77.9% | $11,427-87.6% |