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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 | $95,486 | $167,415-43.0% | $140,514-32.0% | $198,609-51.9% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 64.85% | 13.85%+51.0pp | 14.36%+50.5pp | 202.70%-137.9pp |
| Employer contribution / active EE | $1,205 | $4,088-70.5% | $3,378-64.3% | $5,055-76.2% |
| Participant deferral / active EE | $1,373 | $5,579-75.4% | $4,919-72.1% | $6,977-80.3% |
| Admin fee / account holder | $30,714 | $16,730+83.6% | $13,697+124.2% | $19,030+61.4% |