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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 | $111,535+12.1% | $105,223+18.8% | $137,256-8.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.11% | 237.85%-223.7pp | 180.65%-166.5pp | 220.34%-206.2pp |
| Employer contribution / active EE | $23,018 | $3,939+484.3% | $3,689+524.0% | $4,156+453.8% |
| Participant deferral / active EE | $537 | $5,500-90.2% | $5,072-89.4% | $6,407-91.6% |
| Admin fee / account holder | $4,500 | $9,721-53.7% | $8,859-49.2% | $12,270-63.3% |