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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 | $85,500 | $106,923-20.0% | $84,023+1.8% | $152,909-44.1% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 14.27% | 105.02%-90.7pp | 71.32%-57.0pp | 345.46%-331.2pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $949 | $4,013-76.4% | $3,239-70.7% | $5,851-83.8% |
| Admin fee / account holder | $561 | $8,289-93.2% | $6,102-90.8% | $11,601-95.2% |