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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 | $153,644 | $198,462-22.6% | $170,439-9.9% | $147,585+4.1% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 15.07% | 257.30%-242.2pp | 205.94%-190.9pp | 578.58%-563.5pp |
| Employer contribution / active EE | $9,672 | $6,184+56.4% | $5,433+78.0% | $4,876+98.3% |
| Participant deferral / active EE | $0 | $5,629-100.0% | $4,939-100.0% | $5,439-100.0% |
| Admin fee / account holder | $1,136 | $16,852-93.3% | $13,881-91.8% | $10,886-89.6% |