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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 | $51,563 | $167,483-69.2% | $115,752-55.5% | $147,586-65.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 82.8%+17.2pp |
| Annual return | 8.96% | 12.11%-3.1pp | 19.41%-10.4pp | 578.59%-569.6pp |
| Employer contribution / active EE | $7,238 | $4,960+45.9% | $3,492+107.3% | $4,876+48.4% |
| Participant deferral / active EE | $815 | $7,037-88.4% | $5,204-84.3% | $5,439-85.0% |
| Admin fee / account holder | $1,170 | $13,069-91.0% | $6,278-81.4% | $10,886-89.3% |