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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 | $51,767 | $152,651-66.1% | $105,218-50.8% | $125,389-58.7% |
| Participation rate | 100.0% | 81.5%+18.5pp | 77.2%+22.8pp | 83.2%+16.8pp |
| Annual return | -2.39% | 8.24%-10.6pp | 5.33%-7.7pp | 282.24%-284.6pp |
| Employer contribution / active EE | $5,216 | $4,802+8.6% | $3,255+60.2% | $4,866+7.2% |
| Participant deferral / active EE | $260 | $6,660-96.1% | $4,867-94.7% | $5,352-95.1% |
| Admin fee / account holder | $530 | $14,248-96.3% | $6,992-92.4% | $9,541-94.4% |