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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 | $46,989 | $208,088-77.4% | $186,193-74.8% | $154,746-69.6% |
| Participation rate | 92.9% | 80.0%+12.9pp | 77.1%+15.7pp | 80.7%+12.2pp |
| Annual return | 14.32% | 89.97%-75.7pp | 78.03%-63.7pp | 172.34%-158.0pp |
| Employer contribution / active EE | $2,315 | $4,340-46.7% | $3,918-40.9% | $4,379-47.1% |
| Participant deferral / active EE | $1,137 | $7,078-83.9% | $6,513-82.5% | $6,730-83.1% |
| Admin fee / account holder | $58,226 | $11,698+397.7% | $11,058+426.6% | $14,365+305.3% |