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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 | $76,938 | $57,352+34.1% | $83,831-8.2% | $64,173+19.9% |
| Participation rate | 82.1% | 68.6%+13.5pp | 76.1%+6.0pp | 69.6%+12.6pp |
| Annual return | -6.51% | 11.38%-17.9pp | 850.99%-857.5pp | 7.63%-14.1pp |
| Employer contribution / active EE | $4,783 | $2,546+87.9% | $3,631+31.7% | $2,381+100.9% |
| Participant deferral / active EE | $500 | $2,993-83.3% | $4,082-87.7% | $3,470-85.6% |
| Admin fee / account holder | $3,082 | $4,046-23.8% | $5,479-43.7% | $4,887-36.9% |