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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 | $220,324 | $138,078+59.6% | $125,363+75.7% | $134,509+63.8% |
| Participation rate | 95.0% | 84.5%+10.5pp | 82.4%+12.6pp | 81.2%+13.8pp |
| Annual return | -17.01% | 750.49%-767.5pp | 572.15%-589.2pp | 418.13%-435.1pp |
| Employer contribution / active EE | $4,225 | $5,245-19.4% | $4,815-12.2% | $4,741-10.9% |
| Participant deferral / active EE | $1,566 | $7,800-79.9% | $7,447-79.0% | $6,400-75.5% |
| Admin fee / account holder | $10,372 | $11,566-10.3% | $10,005+3.7% | $11,427-9.2% |