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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 | $32,265 | $57,352-43.7% | $83,831-61.5% | $64,173-49.7% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -6.90% | 11.38%-18.3pp | 850.99%-857.9pp | 7.63%-14.5pp |
| Employer contribution / active EE | $6,143 | $2,546+141.3% | $3,631+69.2% | $2,381+158.0% |
| Participant deferral / active EE | $0 | $2,993-100.0% | $4,082-100.0% | $3,470-100.0% |
| Admin fee / account holder | $692 | $4,046-82.9% | $5,479-87.4% | $4,887-85.8% |