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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 | $40,005 | $138,075-71.0% | $123,552-67.6% | $135,379-70.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.26% | 153.70%-159.0pp | 119.20%-124.5pp | 519.79%-525.0pp |
| Employer contribution / active EE | $2,571 | $5,152-50.1% | $4,628-44.5% | $4,779-46.2% |
| Participant deferral / active EE | $1,699 | $6,800-75.0% | $6,426-73.6% | $5,609-69.7% |
| Admin fee / account holder | $7,270 | $10,917-33.4% | $9,285-21.7% | $10,828-32.9% |