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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 | $56,726 | $149,040-61.9% | $120,225-52.8% | $137,256-58.7% |
| Participation rate | 76.5% | 75.4%+1.1pp | 69.6%+6.9pp | 80.0%-3.5pp |
| Annual return | 15.63% | 605.68%-590.1pp | 439.23%-423.6pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,075 | $4,350-75.3% | $3,475-69.1% | $4,156-74.1% |
| Participant deferral / active EE | $225 | $4,655-95.2% | $3,999-94.4% | $6,407-96.5% |
| Admin fee / account holder | $541 | $6,348-91.5% | $5,696-90.5% | $12,270-95.6% |