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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 | $20,132 | $104,953-80.8% | $84,637-76.2% | $152,909-86.8% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 13.63% | 373.94%-360.3pp | 258.82%-245.2pp | 345.46%-331.8pp |
| Employer contribution / active EE | $683 | $3,304-79.3% | $2,653-74.3% | $4,764-85.7% |
| Participant deferral / active EE | $235 | $4,691-95.0% | $3,900-94.0% | $5,851-96.0% |
| Admin fee / account holder | $1,015 | $6,244-83.7% | $4,914-79.3% | $11,601-91.3% |