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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 | $49,955 | $100,895-50.5% | $90,430-44.8% | $158,950-68.6% |
| Participation rate | 83.3% | 75.0%+8.3pp | 72.7%+10.6pp | 82.0%+1.4pp |
| Annual return | 14.28% | 1725.54%-1711.3pp | 1293.73%-1279.4pp | 302.91%-288.6pp |
| Employer contribution / active EE | $2,567 | $3,689-30.4% | $3,262-21.3% | $4,762-46.1% |
| Participant deferral / active EE | $362 | $4,347-91.7% | $3,963-90.9% | $5,983-94.0% |
| Admin fee / account holder | $1,777 | $6,505-72.7% | $5,613-68.3% | $11,248-84.2% |