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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 | $32,403 | $209,405-84.5% | $178,486-81.8% | $158,931-79.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 6.57% | 188.77%-182.2pp | 151.08%-144.5pp | 302.86%-296.3pp |
| Employer contribution / active EE | $2,928 | $5,707-48.7% | $5,011-41.6% | $4,761-38.5% |
| Participant deferral / active EE | $1,526 | $5,954-74.4% | $5,202-70.7% | $5,982-74.5% |
| Admin fee / account holder | $4,707 | $17,076-72.4% | $13,985-66.3% | $11,247-58.1% |