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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 | $63,946 | $209,422-69.5% | $178,503-64.2% | $158,982-59.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 12.26% | 188.81%-176.5pp | 151.12%-138.9pp | 302.99%-290.7pp |
| Employer contribution / active EE | $2,609 | $5,707-54.3% | $5,011-47.9% | $4,763-45.2% |
| Participant deferral / active EE | $1,836 | $5,955-69.2% | $5,202-64.7% | $5,983-69.3% |
| Admin fee / account holder | $897 | $17,079-94.7% | $13,987-93.6% | $11,252-92.0% |