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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 | $134,837 | $171,867-21.5% | $149,721-9.9% | $147,586-8.6% |
| Participation rate | 94.4% | 88.2%+6.3pp | 87.1%+7.4pp | 82.8%+11.6pp |
| Annual return | 21.05% | 2113.36%-2092.3pp | 1501.67%-1480.6pp | 578.59%-557.5pp |
| Employer contribution / active EE | $4,891 | $6,275-22.0% | $5,444-10.2% | $4,876+0.3% |
| Participant deferral / active EE | $602 | $7,270-91.7% | $6,568-90.8% | $5,439-88.9% |
| Admin fee / account holder | $1,687 | $13,799-87.8% | $11,282-85.0% | $10,886-84.5% |