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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 | $161,197 | $100,811+59.9% | $86,698+85.9% | $134,545+19.8% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -16.15% | 29.11%-45.3pp | 35.96%-52.1pp | 418.37%-434.5pp |
| Employer contribution / active EE | $15,259 | $3,490+337.2% | $2,837+437.9% | $4,742+221.8% |
| Participant deferral / active EE | $918 | $5,339-82.8% | $4,656-80.3% | $6,401-85.7% |
| Admin fee / account holder | $5,198 | $10,926-52.4% | $7,492-30.6% | $11,431-54.5% |