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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 | $37,264 | $190,862-80.5% | $159,991-76.7% | $134,509-72.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -15.90% | 552.59%-568.5pp | 408.82%-424.7pp | 418.13%-434.0pp |
| Employer contribution / active EE | $8,514 | $4,995+70.5% | $4,225+101.5% | $4,741+79.6% |
| Participant deferral / active EE | $1,188 | $6,924-82.8% | $6,183-80.8% | $6,400-81.4% |
| Admin fee / account holder | $2,876 | $10,495-72.6% | $8,715-67.0% | $11,427-74.8% |