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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 | $157,942 | $138,076+14.4% | $123,553+27.8% | $135,380+16.7% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -6.77% | 153.70%-160.5pp | 119.21%-126.0pp | 519.81%-526.6pp |
| Employer contribution / active EE | $5,732 | $5,152+11.3% | $4,628+23.9% | $4,779+20.0% |
| Participant deferral / active EE | $1,469 | $6,800-78.4% | $6,426-77.1% | $5,609-73.8% |
| Admin fee / account holder | $928 | $10,917-91.5% | $9,284-90.0% | $10,828-91.4% |