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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 | $31,524 | $167,353-81.2% | $143,797-78.1% | $134,545-76.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.91% | 0.48%-15.4pp | -0.04%-14.9pp | 418.37%-433.3pp |
| Employer contribution / active EE | $2,886 | $5,620-48.6% | $4,952-41.7% | $4,742-39.1% |
| Participant deferral / active EE | $1,823 | $6,447-71.7% | $5,638-67.7% | $6,401-71.5% |
| Admin fee / account holder | $1,114 | $18,096-93.8% | $14,679-92.4% | $11,431-90.3% |