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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 | $246,229 | $160,070+53.8% | $147,117+67.4% | $145,897+68.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.32% | 98.69%-85.4pp | 420.54%-407.2pp | 552.29%-539.0pp |
| Employer contribution / active EE | $18,243 | $5,285+245.2% | $4,932+269.8% | $4,663+291.3% |
| Participant deferral / active EE | $2,512 | $8,419-70.2% | $8,065-68.9% | $6,689-62.5% |
| Admin fee / account holder | $5,823 | $15,035-61.3% | $12,993-55.2% | $13,390-56.5% |