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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 | $87,892 | $160,070-45.1% | $147,117-40.3% | $145,897-39.8% |
| Participation rate | 94.7% | 84.0%+10.7pp | 82.2%+12.6pp | 80.3%+14.4pp |
| Annual return | 25.89% | 98.69%-72.8pp | 420.54%-394.7pp | 552.29%-526.4pp |
| Employer contribution / active EE | $1,593 | $5,285-69.9% | $4,932-67.7% | $4,663-65.8% |
| Participant deferral / active EE | $2,370 | $8,419-71.9% | $8,065-70.6% | $6,689-64.6% |
| Admin fee / account holder | $3,569 | $15,035-76.3% | $12,993-72.5% | $13,390-73.3% |