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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 | $68,842 | $134,817-48.9% | $123,973-44.5% | $155,188-55.6% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.7%-1.7pp | 80.8%-5.8pp |
| Annual return | 18.90% | 515.49%-496.6pp | 388.13%-369.2pp | 148.84%-129.9pp |
| Employer contribution / active EE | $1,111 | $4,425-74.9% | $4,126-73.1% | $4,248-73.9% |
| Participant deferral / active EE | $0 | $5,706-100.0% | $5,247-100.0% | $6,531-100.0% |
| Admin fee / account holder | $620 | $13,245-95.3% | $11,799-94.7% | $14,480-95.7% |