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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 | $55,324 | $97,732-43.4% | $83,831-34.0% | $135,380-59.1% |
| Participation rate | 94.7% | 80.0%+14.8pp | 76.1%+18.6pp | 82.6%+12.1pp |
| Annual return | -8.28% | 1287.56%-1295.8pp | 850.99%-859.3pp | 519.81%-528.1pp |
| Employer contribution / active EE | $5,610 | $4,222+32.9% | $3,631+54.5% | $4,779+17.4% |
| Participant deferral / active EE | $1,043 | $4,683-77.7% | $4,082-74.4% | $5,609-81.4% |
| Admin fee / account holder | $1,801 | $6,675-73.0% | $5,479-67.1% | $10,828-83.4% |