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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 | $19,954 | $106,008-81.2% | $92,240-78.4% | $147,586-86.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 14.53% | 50.05%-35.5pp | 176.29%-161.8pp | 578.59%-564.1pp |
| Employer contribution / active EE | $3,268 | $4,333-24.6% | $3,680-11.2% | $4,876-33.0% |
| Participant deferral / active EE | $104 | $4,478-97.7% | $3,897-97.3% | $5,439-98.1% |
| Admin fee / account holder | $663 | $6,333-89.5% | $5,194-87.2% | $10,886-93.9% |