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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 | $227,837 | $88,672+156.9% | $105,223+116.5% | $82,448+176.3% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 16.28% | 30.86%-14.6pp | 180.65%-164.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $19,724 | $3,048+547.1% | $3,689+434.7% | $2,551+673.2% |
| Participant deferral / active EE | $922 | $4,036-77.2% | $5,072-81.8% | $4,139-77.7% |
| Admin fee / account holder | $36,366 | $7,146+408.9% | $8,859+310.5% | $7,234+402.7% |