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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 | $30,329 | $111,785-72.9% | $93,669-67.6% | $145,877-79.2% |
| Participation rate | 93.8% | 74.2%+19.5pp | 68.7%+25.0pp | 80.3%+13.4pp |
| Annual return | 10.66% | 203.79%-193.1pp | 133.59%-122.9pp | 551.28%-540.6pp |
| Employer contribution / active EE | $2,338 | $3,096-24.5% | $2,424-3.5% | $4,663-49.9% |
| Participant deferral / active EE | $1,157 | $4,919-76.5% | $4,416-73.8% | $6,691-82.7% |
| Admin fee / account holder | $1,607 | $10,256-84.3% | $8,291-80.6% | $13,402-88.0% |