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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 | $84,990 | $85,766-0.9% | $136,298-37.6% | $70,126+21.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 16.46% | 31.46%-15.0pp | 5156.27%-5139.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $4,987 | $2,966+68.1% | $4,696+6.2% | $2,343+112.9% |
| Participant deferral / active EE | $2,045 | $5,051-59.5% | $6,247-67.3% | $3,332-38.6% |
| Admin fee / account holder | $2,554 | $5,421-52.9% | $9,244-72.4% | $4,645-45.0% |