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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 | $22,803 | $129,737-82.4% | $119,126-80.9% | $154,746-85.3% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 13.30% | 379.08%-365.8pp | 282.11%-268.8pp | 172.34%-159.0pp |
| Employer contribution / active EE | $9,761 | $4,375+123.1% | $4,034+142.0% | $4,379+122.9% |
| Participant deferral / active EE | $331 | $5,842-94.3% | $5,318-93.8% | $6,730-95.1% |
| Admin fee / account holder | $1,660 | $11,961-86.1% | $10,693-84.5% | $14,365-88.4% |