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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 | $93,345-51.6% | $119,126-62.1% | $87,485-48.4% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 20.69% | 19.08%+1.6pp | 282.11%-261.4pp | 26.06%-5.4pp |
| Employer contribution / active EE | $28,551 | $3,172+800.2% | $4,034+607.8% | $2,596+999.7% |
| Participant deferral / active EE | $1,051 | $4,099-74.3% | $5,318-80.2% | $4,274-75.4% |
| Admin fee / account holder | $7,899 | $8,039-1.7% | $10,693-26.1% | $7,775+1.6% |