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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 | $75,883 | $184,000-58.8% | $162,185-53.2% | $152,909-50.4% |
| Participation rate | 94.4% | 88.5%+5.9pp | 87.6%+6.9pp | 82.5%+12.0pp |
| Annual return | 17.03% | 150.80%-133.8pp | 115.61%-98.6pp | 345.46%-328.4pp |
| Employer contribution / active EE | $0 | $6,370-100.0% | $5,613-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,028 | $8,033-74.8% | $7,297-72.2% | $5,851-65.3% |
| Admin fee / account holder | $6,254 | $13,124-52.3% | $10,844-42.3% | $11,601-46.1% |