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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 | $25,327 | $138,078-81.7% | $125,363-79.8% | $134,509-81.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -11.86% | 750.49%-762.3pp | 572.15%-584.0pp | 418.13%-430.0pp |
| Employer contribution / active EE | $1,196 | $5,245-77.2% | $4,815-75.2% | $4,741-74.8% |
| Participant deferral / active EE | $2,281 | $7,800-70.8% | $7,447-69.4% | $6,400-64.4% |
| Admin fee / account holder | $478 | $11,566-95.9% | $10,005-95.2% | $11,427-95.8% |