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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 | $184,948 | $150,447+22.9% | $136,298+35.7% | $147,586+25.3% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 14.86% | 1049.15%-1034.3pp | 5156.27%-5141.4pp | 578.59%-563.7pp |
| Employer contribution / active EE | $5,476 | $5,256+4.2% | $4,696+16.6% | $4,876+12.3% |
| Participant deferral / active EE | $1,709 | $6,631-74.2% | $6,247-72.6% | $5,439-68.6% |
| Admin fee / account holder | $10,231 | $10,906-6.2% | $9,244+10.7% | $10,886-6.0% |