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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 | $134,238 | $167,522-19.9% | $151,639-11.5% | $134,532-0.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -12.26% | 7.81%-20.1pp | 3.34%-15.6pp | 418.27%-430.5pp |
| Employer contribution / active EE | $19,484 | $6,828+185.4% | $6,165+216.0% | $4,741+311.0% |
| Participant deferral / active EE | $1,156 | $8,986-87.1% | $8,363-86.2% | $6,401-81.9% |
| Admin fee / account holder | $531 | $13,780-96.2% | $11,613-95.4% | $11,429-95.4% |