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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 | $27,183 | $92,219-70.5% | $76,767-64.6% | $135,380-79.9% |
| Participation rate | 84.6% | 79.8%+4.8pp | 77.0%+7.7pp | 82.6%+2.0pp |
| Annual return | -2.53% | 5.46%-8.0pp | 2.43%-5.0pp | 519.81%-522.3pp |
| Employer contribution / active EE | $4,308 | $3,216+34.0% | $2,485+73.3% | $4,779-9.9% |
| Participant deferral / active EE | $1,086 | $4,508-75.9% | $3,852-71.8% | $5,609-80.6% |
| Admin fee / account holder | $695 | $10,749-93.5% | $6,675-89.6% | $10,828-93.6% |