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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 | $207,765 | $209,422-0.8% | $178,503+16.4% | $158,982+30.7% |
| Participation rate | 95.8% | 86.4%+9.5pp | 81.9%+13.9pp | 82.0%+13.9pp |
| Annual return | 11.98% | 188.81%-176.8pp | 151.12%-139.1pp | 302.99%-291.0pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,632 | $5,955-72.6% | $5,202-68.6% | $5,983-72.7% |
| Admin fee / account holder | $5,167 | $17,079-69.7% | $13,987-63.1% | $11,252-54.1% |