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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 | $217,728 | $111,830+94.7% | $93,696+132.4% | $145,884+49.2% |
| Participation rate | 90.0% | 74.2%+15.8pp | 68.7%+21.3pp | 80.3%+9.7pp |
| Annual return | 10.06% | 204.08%-194.0pp | 133.74%-123.7pp | 551.85%-541.8pp |
| Employer contribution / active EE | $665 | $3,093-78.5% | $2,422-72.5% | $4,662-85.7% |
| Participant deferral / active EE | $665 | $4,920-86.5% | $4,417-84.9% | $6,690-90.1% |
| Admin fee / account holder | $1,278 | $10,249-87.5% | $8,287-84.6% | $13,392-90.5% |