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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 | $60,047 | $180,459-66.7% | $154,108-61.0% | $135,380-55.6% |
| Participation rate | 84.2% | 87.4%-3.2pp | 83.0%+1.2pp | 82.6%+1.6pp |
| Annual return | -5.02% | 888.21%-893.2pp | 735.21%-740.2pp | 519.81%-524.8pp |
| Employer contribution / active EE | $8,308 | $6,035+37.7% | $5,298+56.8% | $4,779+73.8% |
| Participant deferral / active EE | $281 | $5,806-95.2% | $5,081-94.5% | $5,609-95.0% |
| Admin fee / account holder | $30,944 | $16,145+91.7% | $13,411+130.7% | $10,828+185.8% |