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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 | $144,151 | $142,409+1.2% | $119,634+20.5% | $134,545+7.1% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | 3.60% | -12.46%+16.1pp | -14.98%+18.6pp | 418.37%-414.8pp |
| Employer contribution / active EE | $3,254 | $5,224-37.7% | $4,232-23.1% | $4,742-31.4% |
| Participant deferral / active EE | $696 | $6,468-89.2% | $5,601-87.6% | $6,401-89.1% |
| Admin fee / account holder | $3,434 | $13,594-74.7% | $10,329-66.8% | $11,431-70.0% |