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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 | $75,900 | $108,882-30.3% | $96,754-21.6% | $154,746-51.0% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 10.60% | 98.39%-87.8pp | 82.04%-71.4pp | 172.34%-161.7pp |
| Employer contribution / active EE | $824 | $3,018-72.7% | $2,679-69.2% | $4,379-81.2% |
| Participant deferral / active EE | $823 | $5,323-84.5% | $4,758-82.7% | $6,730-87.8% |
| Admin fee / account holder | $7,700 | $10,200-24.5% | $8,905-13.5% | $14,365-46.4% |