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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 | $19,241 | $106,005-81.8% | $92,239-79.1% | $147,585-87.0% |
| Participation rate | 70.0% | 80.4%-10.4pp | 76.5%-6.5pp | 82.8%-12.8pp |
| Annual return | 10.32% | 50.05%-39.7pp | 176.29%-166.0pp | 578.58%-568.3pp |
| Employer contribution / active EE | $8,339 | $4,333+92.4% | $3,680+126.6% | $4,876+71.0% |
| Participant deferral / active EE | $270 | $4,478-94.0% | $3,897-93.1% | $5,439-95.0% |
| Admin fee / account holder | $5,920 | $6,333-6.5% | $5,194+14.0% | $10,886-45.6% |