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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 | $155,333 | $138,114+12.5% | $125,391+23.9% | $134,545+15.5% |
| Participation rate | 85.7% | 84.5%+1.2pp | 82.4%+3.3pp | 81.2%+4.5pp |
| Annual return | 169.76% | 750.88%-581.1pp | 572.41%-402.7pp | 418.37%-248.6pp |
| Employer contribution / active EE | $7,314 | $5,246+39.4% | $4,816+51.9% | $4,742+54.2% |
| Participant deferral / active EE | $0 | $7,801-100.0% | $7,448-100.0% | $6,401-100.0% |
| Admin fee / account holder | $7,670 | $11,570-33.7% | $10,009-23.4% | $11,431-32.9% |