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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 | $82,913 | $142,409-41.8% | $119,634-30.7% | $134,545-38.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -16.83% | -12.46%-4.4pp | -14.98%-1.8pp | 418.37%-435.2pp |
| Employer contribution / active EE | $5,739 | $5,224+9.9% | $4,232+35.6% | $4,742+21.0% |
| Participant deferral / active EE | $708 | $6,468-89.1% | $5,601-87.4% | $6,401-88.9% |
| Admin fee / account holder | $693 | $13,594-94.9% | $10,329-93.3% | $11,431-93.9% |