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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 | $155,654 | $138,114+12.7% | $125,391+24.1% | $134,545+15.7% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -15.71% | 750.88%-766.6pp | 572.41%-588.1pp | 418.37%-434.1pp |
| Employer contribution / active EE | $7,699 | $5,246+46.8% | $4,816+59.9% | $4,742+62.4% |
| Participant deferral / active EE | $1,903 | $7,801-75.6% | $7,448-74.5% | $6,401-70.3% |
| Admin fee / account holder | $9,550 | $11,570-17.5% | $10,009-4.6% | $11,431-16.4% |