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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 | $59,580 | $106,001-43.8% | $92,235-35.4% | $147,585-59.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 20.00% | 50.05%-30.0pp | 176.28%-156.3pp | 578.56%-558.6pp |
| Employer contribution / active EE | $2,148 | $4,333-50.4% | $3,679-41.6% | $4,876-55.9% |
| Participant deferral / active EE | $879 | $4,478-80.4% | $3,897-77.4% | $5,439-83.8% |
| Admin fee / account holder | $1,175 | $6,332-81.4% | $5,194-77.4% | $10,885-89.2% |