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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 | $41,712 | $150,435-72.3% | $120,580-65.4% | $145,897-71.4% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 16.33% | 154.60%-138.3pp | 107.48%-91.2pp | 552.29%-536.0pp |
| Employer contribution / active EE | $1,770 | $4,352-59.3% | $3,469-49.0% | $4,663-62.0% |
| Participant deferral / active EE | $485 | $6,174-92.1% | $4,995-90.3% | $6,689-92.8% |
| Admin fee / account holder | $5,250 | $12,182-56.9% | $9,418-44.3% | $13,390-60.8% |