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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 | $33,192 | $101,672-67.4% | $147,117-77.4% | $74,478-55.4% |
| Participation rate | 76.5% | 75.5%+0.9pp | 82.2%-5.7pp | 67.2%+9.2pp |
| Annual return | 16.03% | 8757.83%-8741.8pp | 420.54%-404.5pp | 1370.56%-1354.5pp |
| Employer contribution / active EE | $1,870 | $3,813-51.0% | $4,932-62.1% | $2,626-28.8% |
| Participant deferral / active EE | $2,614 | $7,305-64.2% | $8,065-67.6% | $4,350-39.9% |
| Admin fee / account holder | $1,942 | $1,753+10.8% | $12,993-85.1% | $1,946-0.2% |