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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 | $45,133 | $88,672-49.1% | $105,223-57.1% | $82,448-45.3% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 20.69% | 30.86%-10.2pp | 180.65%-160.0pp | 41.64%-20.9pp |
| Employer contribution / active EE | $28,551 | $3,048+836.7% | $3,689+674.1% | $2,551+1019.2% |
| Participant deferral / active EE | $1,051 | $4,036-73.9% | $5,072-79.3% | $4,139-74.6% |
| Admin fee / account holder | $7,899 | $7,146+10.5% | $8,859-10.8% | $7,234+9.2% |