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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 | $160,687 | $138,072+16.4% | $123,549+30.1% | $135,382+18.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.49% | 153.69%-159.2pp | 119.20%-124.7pp | 519.77%-525.3pp |
| Employer contribution / active EE | $1,088 | $5,152-78.9% | $4,628-76.5% | $4,779-77.2% |
| Participant deferral / active EE | $1,694 | $6,799-75.1% | $6,426-73.6% | $5,609-69.8% |
| Admin fee / account holder | $1,038 | $10,917-90.5% | $9,284-88.8% | $10,829-90.4% |