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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 | $95,215 | $102,393-7.0% | $147,041-35.2% | $80,911+17.7% |
| Participation rate | 76.7% | 75.9%+0.8pp | 82.2%-5.5pp | 67.6%+9.0pp |
| Annual return | 16.85% | 134.95%-118.1pp | 419.21%-402.4pp | 35.63%-18.8pp |
| Employer contribution / active EE | $12,183 | $3,715+227.9% | $4,935+146.9% | $2,756+342.1% |
| Participant deferral / active EE | $0 | $6,647-100.0% | $8,071-100.0% | $4,297-100.0% |
| Admin fee / account holder | $4,527 | $7,943-43.0% | $13,006-65.2% | $6,935-34.7% |