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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 | $61,863 | $175,259-64.7% | $149,723-58.7% | $139,487-55.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.69% | 166.82%-152.1pp | 134.50%-119.8pp | 373.84%-359.1pp |
| Employer contribution / active EE | $4,928 | $5,478-10.0% | $4,821+2.2% | $4,755+3.7% |
| Participant deferral / active EE | $1,053 | $6,522-83.9% | $5,682-81.5% | $6,713-84.3% |
| Admin fee / account holder | $450 | $16,158-97.2% | $13,215-96.6% | $11,407-96.1% |