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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 | $135,416 | $160,040-15.4% | $147,096-7.9% | $145,877-7.2% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 13.27% | 98.49%-85.2pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $2,778 | $5,289-47.5% | $4,936-43.7% | $4,663-40.4% |
| Participant deferral / active EE | $1,213 | $8,429-85.6% | $8,071-85.0% | $6,691-81.9% |
| Admin fee / account holder | $6,353 | $15,050-57.8% | $13,005-51.2% | $13,402-52.6% |