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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 | $181,759 | $209,405-13.2% | $178,486+1.8% | $158,931+14.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.89% | 188.77%-176.9pp | 151.08%-139.2pp | 302.86%-291.0pp |
| Employer contribution / active EE | $2,043 | $5,707-64.2% | $5,011-59.2% | $4,761-57.1% |
| Participant deferral / active EE | $484 | $5,954-91.9% | $5,202-90.7% | $5,982-91.9% |
| Admin fee / account holder | $1,455 | $17,076-91.5% | $13,985-89.6% | $11,247-87.1% |