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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 | $205,339 | $160,070+28.3% | $147,117+39.6% | $145,897+40.7% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.1pp | 80.3%+13.0pp |
| Annual return | 12.11% | 98.69%-86.6pp | 420.54%-408.4pp | 552.29%-540.2pp |
| Employer contribution / active EE | $17,158 | $5,285+224.7% | $4,932+247.9% | $4,663+268.0% |
| Participant deferral / active EE | $2,095 | $8,419-75.1% | $8,065-74.0% | $6,689-68.7% |
| Admin fee / account holder | $915 | $15,035-93.9% | $12,993-93.0% | $13,390-93.2% |