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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 | $123,036 | $102,635+19.9% | $86,209+42.7% | $139,456-11.8% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | 21.57% | 1923.53%-1902.0pp | 1169.05%-1147.5pp | 373.45%-351.9pp |
| Employer contribution / active EE | $727 | $3,034-76.0% | $2,381-69.5% | $4,753-84.7% |
| Participant deferral / active EE | $1,033 | $4,677-77.9% | $3,986-74.1% | $6,711-84.6% |
| Admin fee / account holder | $445 | $8,661-94.9% | $6,853-93.5% | $11,407-96.1% |