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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 | $201,830 | $165,351+22.1% | $149,710+34.8% | $158,931+27.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 9.57% | 348.19%-338.6pp | 276.63%-267.1pp | 302.86%-293.3pp |
| Employer contribution / active EE | $28,165 | $5,103+451.9% | $4,645+506.4% | $4,761+491.5% |
| Participant deferral / active EE | $2,167 | $7,181-69.8% | $6,842-68.3% | $5,982-63.8% |
| Admin fee / account holder | $20,667 | $10,807+91.2% | $9,309+122.0% | $11,247+83.8% |