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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 | $55,903 | $115,796-51.7% | $101,264-44.8% | $158,950-64.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 24.01% | 56.15%-32.1pp | 46.48%-22.5pp | 302.91%-278.9pp |
| Employer contribution / active EE | $16,206 | $4,175+288.2% | $3,660+342.8% | $4,762+240.3% |
| Participant deferral / active EE | $1,107 | $4,958-77.7% | $4,370-74.7% | $5,983-81.5% |
| Admin fee / account holder | $4,785 | $7,247-34.0% | $5,947-19.5% | $11,248-57.5% |