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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 | $36,326 | $114,093-68.2% | $96,171-62.2% | $167,536-78.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 10.42% | 190.00%-179.6pp | 192.04%-181.6pp | 478.82%-468.4pp |
| Employer contribution / active EE | $4,098 | $3,429+19.5% | $2,799+46.4% | $4,839-15.3% |
| Participant deferral / active EE | $655 | $5,197-87.4% | $4,350-84.9% | $6,342-89.7% |
| Admin fee / account holder | $384 | $6,899-94.4% | $5,538-93.1% | $12,315-96.9% |