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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 | $49,995 | $109,411-54.3% | $89,435-44.1% | $158,982-68.6% |
| Participation rate | 93.3% | 74.3%+19.1pp | 68.0%+25.3pp | 82.0%+11.4pp |
| Annual return | 18.70% | 345.68%-327.0pp | 245.55%-226.8pp | 302.99%-284.3pp |
| Employer contribution / active EE | $8,265 | $3,173+160.5% | $2,587+219.5% | $4,763+73.5% |
| Participant deferral / active EE | $433 | $4,600-90.6% | $3,890-88.9% | $5,983-92.8% |
| Admin fee / account holder | $1,274 | $6,159-79.3% | $4,884-73.9% | $11,252-88.7% |