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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 | $62,389 | $138,114-54.8% | $125,391-50.2% | $134,545-53.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -7.00% | 750.88%-757.9pp | 572.41%-579.4pp | 418.37%-425.4pp |
| Employer contribution / active EE | $8,840 | $5,246+68.5% | $4,816+83.6% | $4,742+86.4% |
| Participant deferral / active EE | $2,521 | $7,801-67.7% | $7,448-66.2% | $6,401-60.6% |
| Admin fee / account holder | $1,068 | $11,570-90.8% | $10,009-89.3% | $11,431-90.7% |