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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 | $89,259-49.4% | $107,187-57.9% | $82,637-45.4% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 20.69% | 21.02%-0.3pp | 204.55%-183.9pp | 53.51%-32.8pp |
| Employer contribution / active EE | $28,551 | $3,080+827.0% | $3,782+654.9% | $2,552+1018.7% |
| Participant deferral / active EE | $1,051 | $4,037-74.0% | $5,096-79.4% | $4,126-74.5% |
| Admin fee / account holder | $7,899 | $7,381+7.0% | $9,162-13.8% | $7,339+7.6% |