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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 | $169,199 | $171,492-1.3% | $150,734+12.3% | $198,609-14.8% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 5.81% | 804.70%-798.9pp | 600.81%-595.0pp | 202.70%-196.9pp |
| Employer contribution / active EE | $2,403 | $5,470-56.1% | $4,918-51.1% | $5,055-52.5% |
| Participant deferral / active EE | $1,182 | $6,259-81.1% | $5,610-78.9% | $6,977-83.1% |
| Admin fee / account holder | $472 | $17,628-97.3% | $14,905-96.8% | $19,030-97.5% |