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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 | $27,662 | $105,198-73.7% | $159,455-82.7% | $85,856-67.8% |
| Participation rate | 79.5% | 75.8%+3.7pp | 82.8%-3.3pp | 69.3%+10.2pp |
| Annual return | 12.91% | 45.08%-32.2pp | 263.63%-250.7pp | 318.58%-305.7pp |
| Employer contribution / active EE | $2,328 | $3,319-29.9% | $4,830-51.8% | $2,565-9.3% |
| Participant deferral / active EE | $1,638 | $5,946-72.4% | $7,353-77.7% | $3,952-58.5% |
| Admin fee / account holder | $611 | $6,934-91.2% | $10,800-94.3% | $6,261-90.2% |