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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 | $30,329 | $111,878-72.9% | $93,727-67.6% | $145,897-79.2% |
| Participation rate | 93.8% | 74.2%+19.5pp | 68.7%+25.0pp | 80.3%+13.4pp |
| Annual return | 10.66% | 204.28%-193.6pp | 133.83%-123.2pp | 552.29%-541.6pp |
| Employer contribution / active EE | $2,338 | $3,092-24.4% | $2,421-3.4% | $4,663-49.8% |
| Participant deferral / active EE | $1,157 | $4,920-76.5% | $4,417-73.8% | $6,689-82.7% |
| Admin fee / account holder | $1,607 | $10,256-84.3% | $8,292-80.6% | $13,390-88.0% |