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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 | $25,437 | $89,367-71.5% | $141,191-82.0% | $72,975-65.1% |
| Participation rate | 84.5% | 75.1%+9.4pp | 82.5%+2.0pp | 69.5%+15.0pp |
| Annual return | 41.94% | 111.87%-69.9pp | 71.41%-29.5pp | 81.01%-39.1pp |
| Employer contribution / active EE | $1,927 | $3,115-38.1% | $4,736-59.3% | $2,440-21.0% |
| Participant deferral / active EE | $1,919 | $5,419-64.6% | $6,710-71.4% | $3,608-46.8% |
| Admin fee / account holder | $1,169 | $5,957-80.4% | $10,264-88.6% | $5,124-77.2% |