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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 | $247,729 | $198,457+24.8% | $170,435+45.4% | $147,586+67.9% |
| Participation rate | 95.2% | 88.0%+7.3pp | 83.6%+11.6pp | 82.8%+12.4pp |
| Annual return | 18.67% | 257.30%-238.6pp | 205.94%-187.3pp | 578.59%-559.9pp |
| Employer contribution / active EE | $11,919 | $6,183+92.8% | $5,432+119.4% | $4,876+144.4% |
| Participant deferral / active EE | $1,413 | $5,629-74.9% | $4,939-71.4% | $5,439-74.0% |
| Admin fee / account holder | $16,496 | $16,852-2.1% | $13,881+18.8% | $10,886+51.5% |