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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 | $22,177 | $106,008-79.1% | $92,240-76.0% | $147,586-85.0% |
| Participation rate | 81.3% | 80.4%+0.8pp | 76.5%+4.8pp | 82.8%-1.6pp |
| Annual return | 19.14% | 50.05%-30.9pp | 176.29%-157.2pp | 578.59%-559.5pp |
| Employer contribution / active EE | $9,918 | $4,333+128.9% | $3,680+169.5% | $4,876+103.4% |
| Participant deferral / active EE | $239 | $4,478-94.7% | $3,897-93.9% | $5,439-95.6% |
| Admin fee / account holder | $6,404 | $6,333+1.1% | $5,194+23.3% | $10,886-41.2% |