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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 | $203,840 | $88,603+130.1% | $69,890+191.7% | $134,545+51.5% |
| Participation rate | 100.0% | 74.9%+25.1pp | 70.5%+29.5pp | 81.2%+18.8pp |
| Annual return | -16.37% | 442.93%-459.3pp | 190.84%-207.2pp | 418.37%-434.7pp |
| Employer contribution / active EE | $0 | $3,236-100.0% | $2,560-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $485 | $4,771-89.8% | $3,848-87.4% | $6,401-92.4% |
| Admin fee / account holder | $3,889 | $10,443-62.8% | $6,267-38.0% | $11,431-66.0% |