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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 | $79,517 | $138,075-42.4% | $123,552-35.6% | $135,379-41.3% |
| Participation rate | 81.3% | 84.7%-3.5pp | 82.3%-1.0pp | 82.6%-1.4pp |
| Annual return | -6.66% | 153.70%-160.4pp | 119.20%-125.9pp | 519.79%-526.4pp |
| Employer contribution / active EE | $6,137 | $5,152+19.1% | $4,628+32.6% | $4,779+28.4% |
| Participant deferral / active EE | $1,625 | $6,800-76.1% | $6,426-74.7% | $5,609-71.0% |
| Admin fee / account holder | $4,849 | $10,917-55.6% | $9,285-47.8% | $10,828-55.2% |