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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 | $51,209 | $135,645-62.2% | $110,243-53.5% | $135,379-62.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -7.60% | 513.24%-520.8pp | 314.76%-322.4pp | 519.79%-527.4pp |
| Employer contribution / active EE | $3,091 | $4,907-37.0% | $3,827-19.2% | $4,779-35.3% |
| Participant deferral / active EE | $1,457 | $5,507-73.5% | $4,672-68.8% | $5,609-74.0% |
| Admin fee / account holder | $1,009 | $11,458-91.2% | $8,548-88.2% | $10,828-90.7% |