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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 | $28,520 | $106,008-73.1% | $92,240-69.1% | $147,586-80.7% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 17.09% | 50.05%-33.0pp | 176.29%-159.2pp | 578.59%-561.5pp |
| Employer contribution / active EE | $13,248 | $4,333+205.7% | $3,680+260.0% | $4,876+171.7% |
| Participant deferral / active EE | $694 | $4,478-84.5% | $3,897-82.2% | $5,439-87.2% |
| Admin fee / account holder | $3,057 | $6,333-51.7% | $5,194-41.1% | $10,886-71.9% |