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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 | $38,739 | $63,346-38.8% | $92,240-58.0% | $70,126-44.8% |
| Participation rate | 96.7% | 68.7%+28.1pp | 76.5%+20.2pp | 69.5%+27.2pp |
| Annual return | 14.66% | 530.19%-515.5pp | 176.29%-161.6pp | 73.15%-58.5pp |
| Employer contribution / active EE | $13,219 | $2,471+434.9% | $3,680+259.2% | $2,343+464.3% |
| Participant deferral / active EE | $1,032 | $2,854-63.8% | $3,897-73.5% | $3,332-69.0% |
| Admin fee / account holder | $7,545 | $3,841+96.5% | $5,194+45.3% | $4,645+62.4% |