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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 | $119,715 | $209,425-42.8% | $178,499-32.9% | $158,966-24.7% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 127.36% | 188.80%-61.4pp | 151.10%-23.7pp | 302.95%-175.6pp |
| Employer contribution / active EE | $16,297 | $5,707+185.6% | $5,011+225.2% | $4,762+242.2% |
| Participant deferral / active EE | $0 | $5,955-100.0% | $5,202-100.0% | $5,983-100.0% |
| Admin fee / account holder | $1,327 | $17,078-92.2% | $13,986-90.5% | $11,250-88.2% |