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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 | $27,702 | $57,352-51.7% | $83,831-67.0% | $64,173-56.8% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -4.68% | 11.38%-16.1pp | 850.99%-855.7pp | 7.63%-12.3pp |
| Employer contribution / active EE | $4,423 | $2,546+73.8% | $3,631+21.8% | $2,381+85.8% |
| Participant deferral / active EE | $1,171 | $2,993-60.9% | $4,082-71.3% | $3,470-66.3% |
| Admin fee / account holder | $2,374 | $4,046-41.3% | $5,479-56.7% | $4,887-51.4% |