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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 | $42,100 | $102,422-58.9% | $147,117-71.4% | $80,959-48.0% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 13.01% | 135.16%-122.1pp | 420.54%-407.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $3,329 | $3,717-10.5% | $4,932-32.5% | $2,757+20.7% |
| Participant deferral / active EE | $2,370 | $6,652-64.4% | $8,065-70.6% | $4,300-44.9% |
| Admin fee / account holder | $821 | $7,953-89.7% | $12,993-93.7% | $6,925-88.2% |