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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 | $49,301 | $115,814-57.4% | $101,275-51.3% | $158,982-69.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 11.86% | 56.16%-44.3pp | 46.48%-34.6pp | 302.99%-291.1pp |
| Employer contribution / active EE | $2,322 | $4,176-44.4% | $3,660-36.6% | $4,763-51.3% |
| Participant deferral / active EE | $129 | $4,958-97.4% | $4,371-97.1% | $5,983-97.8% |
| Admin fee / account holder | $2,665 | $7,249-63.2% | $5,948-55.2% | $11,252-76.3% |