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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 | $172,931 | $138,075+25.2% | $123,552+40.0% | $135,379+27.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.42% | 153.70%-159.1pp | 119.20%-124.6pp | 519.79%-525.2pp |
| Employer contribution / active EE | $10,332 | $5,152+100.5% | $4,628+123.2% | $4,779+116.2% |
| Participant deferral / active EE | $1,134 | $6,800-83.3% | $6,426-82.4% | $5,609-79.8% |
| Admin fee / account holder | $14,267 | $10,917+30.7% | $9,285+53.7% | $10,828+31.8% |