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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 | $42,571 | $63,346-32.8% | $92,240-53.8% | $70,126-39.3% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 14.25% | 530.19%-515.9pp | 176.29%-162.0pp | 73.15%-58.9pp |
| Employer contribution / active EE | $7,171 | $2,471+190.2% | $3,680+94.9% | $2,343+206.1% |
| Participant deferral / active EE | $977 | $2,854-65.8% | $3,897-74.9% | $3,332-70.7% |
| Admin fee / account holder | $2,888 | $3,841-24.8% | $5,194-44.4% | $4,645-37.8% |