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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 | $26,966 | $105,210-74.4% | $159,487-83.1% | $85,851-68.6% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.8%-2.8pp | 69.3%+10.7pp |
| Annual return | 14.43% | 45.08%-30.6pp | 263.71%-249.3pp | 318.63%-304.2pp |
| Employer contribution / active EE | $4,276 | $3,319+28.8% | $4,831-11.5% | $2,565+66.7% |
| Participant deferral / active EE | $2,484 | $5,946-58.2% | $7,354-66.2% | $3,952-37.2% |
| Admin fee / account holder | $1,952 | $6,934-71.8% | $10,804-81.9% | $6,261-68.8% |