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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 | $122,137 | $138,076-11.5% | $123,553-1.1% | $135,380-9.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.16% | 153.70%-159.9pp | 119.21%-125.4pp | 519.81%-526.0pp |
| Employer contribution / active EE | $12,488 | $5,152+142.4% | $4,628+169.8% | $4,779+161.3% |
| Participant deferral / active EE | $600 | $6,800-91.2% | $6,426-90.7% | $5,609-89.3% |
| Admin fee / account holder | $1,322 | $10,917-87.9% | $9,284-85.8% | $10,828-87.8% |