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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 | $124,801 | $202,342-38.3% | $172,753-27.8% | $152,909-18.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 18.50% | 1029.88%-1011.4pp | 803.00%-784.5pp | 345.46%-327.0pp |
| Employer contribution / active EE | $14,000 | $5,857+139.0% | $5,144+172.2% | $4,764+193.9% |
| Participant deferral / active EE | $827 | $5,948-86.1% | $5,198-84.1% | $5,851-85.9% |
| Admin fee / account holder | $677 | $17,112-96.0% | $13,956-95.1% | $11,601-94.2% |