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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 | $37,245 | $176,071-78.8% | $159,450-76.6% | $167,497-77.8% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 22.82% | 331.79%-309.0pp | 263.60%-240.8pp | 478.62%-455.8pp |
| Employer contribution / active EE | $3,182 | $5,298-39.9% | $4,830-34.1% | $4,838-34.2% |
| Participant deferral / active EE | $2,380 | $7,750-69.3% | $7,352-67.6% | $6,341-62.5% |
| Admin fee / account holder | $963 | $12,555-92.3% | $10,800-91.1% | $12,310-92.2% |