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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 | $194,081 | $138,102+40.5% | $125,381+54.8% | $134,532+44.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -13.32% | 750.73%-764.0pp | 572.31%-585.6pp | 418.27%-431.6pp |
| Employer contribution / active EE | $5,970 | $5,245+13.8% | $4,815+24.0% | $4,741+25.9% |
| Participant deferral / active EE | $0 | $7,801-100.0% | $7,448-100.0% | $6,401-100.0% |
| Admin fee / account holder | $2,736 | $11,568-76.3% | $10,007-72.7% | $11,429-76.1% |