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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 | $39,322 | $209,888-81.3% | $189,545-79.3% | $167,553-76.5% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 12.34% | 748.66%-736.3pp | 555.36%-543.0pp | 478.89%-466.6pp |
| Employer contribution / active EE | $4,326 | $6,915-37.4% | $6,162-29.8% | $4,840-10.6% |
| Participant deferral / active EE | $2,773 | $8,934-69.0% | $8,220-66.3% | $6,343-56.3% |
| Admin fee / account holder | $681 | $14,300-95.2% | $12,049-94.4% | $12,316-94.5% |