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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 | $71,653 | $96,678-25.9% | $86,640-17.3% | $139,466-48.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 23.02% | 106.69%-83.7pp | 592.52%-569.5pp | 373.66%-350.6pp |
| Employer contribution / active EE | $54,604 | $3,265+1572.2% | $3,024+1705.5% | $4,754+1048.6% |
| Participant deferral / active EE | $750 | $4,837-84.5% | $4,438-83.1% | $6,712-88.8% |
| Admin fee / account holder | $656 | $6,410-89.8% | $5,616-88.3% | $11,409-94.2% |