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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 | $55,108 | $106,008-48.0% | $92,240-40.3% | $147,586-62.7% |
| Participation rate | 95.0% | 80.4%+14.6pp | 76.5%+18.5pp | 82.8%+12.2pp |
| Annual return | 14.67% | 50.05%-35.4pp | 176.29%-161.6pp | 578.59%-563.9pp |
| Employer contribution / active EE | $7,366 | $4,333+70.0% | $3,680+100.2% | $4,876+51.1% |
| Participant deferral / active EE | $1,002 | $4,478-77.6% | $3,897-74.3% | $5,439-81.6% |
| Admin fee / account holder | $5,619 | $6,333-11.3% | $5,194+8.2% | $10,886-48.4% |