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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 | $145,236 | $138,076+5.2% | $123,553+17.5% | $135,380+7.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.69% | 153.70%-158.4pp | 119.21%-123.9pp | 519.81%-524.5pp |
| Employer contribution / active EE | $25,986 | $5,152+404.4% | $4,628+461.5% | $4,779+443.8% |
| Participant deferral / active EE | $2,000 | $6,800-70.6% | $6,426-68.9% | $5,609-64.3% |
| Admin fee / account holder | $20,000 | $10,917+83.2% | $9,284+115.4% | $10,828+84.7% |