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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 | $30,820 | $108,897-71.7% | $100,378-69.3% | $145,877-78.9% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 11.24% | 58.17%-46.9pp | 49.41%-38.2pp | 551.28%-540.0pp |
| Employer contribution / active EE | $4,553 | $4,420+3.0% | $3,942+15.5% | $4,663-2.4% |
| Participant deferral / active EE | $2,037 | $8,455-75.9% | $8,087-74.8% | $6,691-69.5% |
| Admin fee / account holder | $1,006 | $9,690-89.6% | $7,899-87.3% | $13,402-92.5% |