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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 | $111,610 | $106,923+4.4% | $84,023+32.8% | $152,909-27.0% |
| Participation rate | 77.8% | 75.3%+2.5pp | 69.0%+8.8pp | 82.5%-4.7pp |
| Annual return | 18.86% | 105.02%-86.2pp | 71.32%-52.5pp | 345.46%-326.6pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $231 | $4,013-94.2% | $3,239-92.9% | $5,851-96.1% |
| Admin fee / account holder | $4,898 | $8,289-40.9% | $6,102-19.7% | $11,601-57.8% |