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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 | $160,040+53.9% | $147,096+67.4% | $145,877+68.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.32% | 98.49%-85.2pp | 419.75%-406.4pp | 551.28%-538.0pp |
| Employer contribution / active EE | $18,243 | $5,289+244.9% | $4,936+269.6% | $4,663+291.2% |
| Participant deferral / active EE | $2,512 | $8,429-70.2% | $8,071-68.9% | $6,691-62.5% |
| Admin fee / account holder | $5,823 | $15,050-61.3% | $13,005-55.2% | $13,402-56.6% |