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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 | $190,905 | $96,678+97.5% | $86,640+120.3% | $139,466+36.9% |
| Participation rate | 93.3% | 74.4%+18.9pp | 71.7%+21.6pp | 80.3%+13.0pp |
| Annual return | 15.78% | 106.69%-90.9pp | 592.52%-576.7pp | 373.66%-357.9pp |
| Employer contribution / active EE | $4,128 | $3,265+26.4% | $3,024+36.5% | $4,754-13.2% |
| Participant deferral / active EE | $0 | $4,837-100.0% | $4,438-100.0% | $6,712-100.0% |
| Admin fee / account holder | $1,483 | $6,410-76.9% | $5,616-73.6% | $11,409-87.0% |