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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 | $124,983 | $129,737-3.7% | $119,126+4.9% | $154,746-19.2% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 14.11% | 379.08%-365.0pp | 282.11%-268.0pp | 172.34%-158.2pp |
| Employer contribution / active EE | $23,018 | $4,375+426.1% | $4,034+470.6% | $4,379+425.6% |
| Participant deferral / active EE | $537 | $5,842-90.8% | $5,318-89.9% | $6,730-92.0% |
| Admin fee / account holder | $4,500 | $11,961-62.4% | $10,693-57.9% | $14,365-68.7% |