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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 | $69,529 | $135,645-48.7% | $110,243-36.9% | $135,380-48.6% |
| Participation rate | 90.9% | 83.5%+7.4pp | 79.8%+11.1pp | 82.6%+8.3pp |
| Annual return | -5.11% | 513.24%-518.3pp | 314.76%-319.9pp | 519.81%-524.9pp |
| Employer contribution / active EE | $7,605 | $4,907+55.0% | $3,827+98.7% | $4,779+59.1% |
| Participant deferral / active EE | $1,370 | $5,507-75.1% | $4,672-70.7% | $5,609-75.6% |
| Admin fee / account holder | $361 | $11,458-96.8% | $8,548-95.8% | $10,828-96.7% |