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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 | $150,412-72.3% | $120,574-65.4% | $145,884-71.4% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 16.33% | 154.50%-138.2pp | 107.42%-91.1pp | 551.85%-535.5pp |
| Employer contribution / active EE | $1,770 | $4,355-59.4% | $3,471-49.0% | $4,662-62.0% |
| Participant deferral / active EE | $485 | $6,175-92.1% | $4,996-90.3% | $6,690-92.8% |
| Admin fee / account holder | $5,250 | $12,224-57.1% | $9,445-44.4% | $13,392-60.8% |