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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 | $43,076 | $144,130-70.1% | $117,861-63.5% | $147,586-70.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 11.48% | 531.20%-519.7pp | 335.11%-323.6pp | 578.59%-567.1pp |
| Employer contribution / active EE | $2,043 | $4,897-58.3% | $3,786-46.0% | $4,876-58.1% |
| Participant deferral / active EE | $1,325 | $5,316-75.1% | $4,482-70.4% | $5,439-75.6% |
| Admin fee / account holder | $2,625 | $10,887-75.9% | $8,021-67.3% | $10,886-75.9% |