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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 | $92,490 | $209,422-55.8% | $178,503-48.2% | $158,982-41.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 13.06% | 188.81%-175.8pp | 151.12%-138.1pp | 302.99%-289.9pp |
| Employer contribution / active EE | $3,569 | $5,707-37.5% | $5,011-28.8% | $4,763-25.1% |
| Participant deferral / active EE | $1,424 | $5,955-76.1% | $5,202-72.6% | $5,983-76.2% |
| Admin fee / account holder | $1,939 | $17,079-88.6% | $13,987-86.1% | $11,252-82.8% |