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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 | $120,173 | $160,040-24.9% | $147,096-18.3% | $145,877-17.6% |
| Participation rate | 89.5% | 84.0%+5.5pp | 82.2%+7.3pp | 80.3%+9.2pp |
| Annual return | 22.01% | 98.49%-76.5pp | 419.75%-397.7pp | 551.28%-529.3pp |
| Employer contribution / active EE | $9,587 | $5,289+81.2% | $4,936+94.2% | $4,663+105.6% |
| Participant deferral / active EE | $1,622 | $8,429-80.8% | $8,071-79.9% | $6,691-75.8% |
| Admin fee / account holder | $541 | $15,050-96.4% | $13,005-95.8% | $13,402-96.0% |