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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 | $75,264 | $176,077-57.3% | $159,455-52.8% | $167,518-55.1% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.40% | 331.83%-318.4pp | 263.63%-250.2pp | 478.71%-465.3pp |
| Employer contribution / active EE | $1,735 | $5,298-67.3% | $4,830-64.1% | $4,838-64.1% |
| Participant deferral / active EE | $2,284 | $7,751-70.5% | $7,353-68.9% | $6,342-64.0% |
| Admin fee / account holder | $1,526 | $12,556-87.8% | $10,800-85.9% | $12,312-87.6% |