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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 | $78,682 | $105,856-25.7% | $90,161-12.7% | $147,586-46.7% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 14.75% | 37.63%-22.9pp | 34.89%-20.1pp | 578.59%-563.8pp |
| Employer contribution / active EE | $24,421 | $4,126+491.8% | $3,318+636.0% | $4,876+400.8% |
| Participant deferral / active EE | $520 | $5,733-90.9% | $5,287-90.2% | $5,439-90.4% |
| Admin fee / account holder | $5,626 | $8,046-30.1% | $5,943-5.3% | $10,886-48.3% |