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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 | $34,311 | $107,368-68.0% | $92,915-63.1% | $152,909-77.6% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 17.69% | 145.64%-128.0pp | 109.45%-91.8pp | 345.46%-327.8pp |
| Employer contribution / active EE | $3,516 | $4,222-16.7% | $3,653-3.8% | $4,764-26.2% |
| Participant deferral / active EE | $1,087 | $4,848-77.6% | $4,238-74.3% | $5,851-81.4% |
| Admin fee / account holder | $539 | $7,082-92.4% | $5,796-90.7% | $11,601-95.4% |