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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 | $96,648 | $97,729-1.1% | $83,830+15.3% | $135,379-28.6% |
| Participation rate | 72.7% | 80.0%-7.2pp | 76.1%-3.4pp | 82.6%-9.9pp |
| Annual return | -3.96% | 1287.52%-1291.5pp | 850.97%-854.9pp | 519.79%-523.7pp |
| Employer contribution / active EE | $18,182 | $4,222+330.7% | $3,631+400.7% | $4,779+280.5% |
| Participant deferral / active EE | $591 | $4,683-87.4% | $4,082-85.5% | $5,609-89.5% |
| Admin fee / account holder | $631 | $6,674-90.6% | $5,479-88.5% | $10,828-94.2% |