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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 | $51,372 | $68,394-24.9% | $94,672-45.7% | $75,177-31.7% |
| Participation rate | 100.0% | 76.1%+23.9pp | 80.8%+19.2pp | 67.2%+32.8pp |
| Annual return | 20.48% | 616.92%-596.4pp | 156.89%-136.4pp | 160.75%-140.3pp |
| Employer contribution / active EE | $6,584 | $2,701+143.8% | $3,673+79.3% | $2,671+146.5% |
| Participant deferral / active EE | $2,785 | $6,536-57.4% | $7,417-62.5% | $4,126-32.5% |
| Admin fee / account holder | $1,813 | $5,326-66.0% | $7,222-74.9% | $5,651-67.9% |