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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 | $124,983 | $134,817-7.3% | $123,973+0.8% | $155,188-19.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 14.11% | 515.49%-501.4pp | 388.13%-374.0pp | 148.84%-134.7pp |
| Employer contribution / active EE | $23,018 | $4,425+420.2% | $4,126+457.9% | $4,248+441.9% |
| Participant deferral / active EE | $537 | $5,706-90.6% | $5,247-89.8% | $6,531-91.8% |
| Admin fee / account holder | $4,500 | $13,245-66.0% | $11,799-61.9% | $14,480-68.9% |