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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 | $27,104 | $57,350-52.7% | $83,850-67.7% | $64,181-57.8% |
| Participation rate | 87.9% | 68.6%+19.3pp | 76.1%+11.7pp | 69.6%+18.3pp |
| Annual return | -6.77% | 11.38%-18.1pp | 850.92%-857.7pp | 7.63%-14.4pp |
| Employer contribution / active EE | $5,557 | $2,545+118.3% | $3,631+53.0% | $2,381+133.4% |
| Participant deferral / active EE | $1,172 | $2,993-60.8% | $4,082-71.3% | $3,470-66.2% |
| Admin fee / account holder | $599 | $4,046-85.2% | $5,478-89.1% | $4,887-87.7% |