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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 | $40,175 | $105,200-61.8% | $159,474-74.8% | $85,847-53.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.99% | 45.08%-32.1pp | 263.68%-250.7pp | 318.61%-305.6pp |
| Employer contribution / active EE | $6,454 | $3,319+94.5% | $4,831+33.6% | $2,565+151.6% |
| Participant deferral / active EE | $1,365 | $5,946-77.0% | $7,353-81.4% | $3,952-65.5% |
| Admin fee / account holder | $431 | $6,934-93.8% | $10,802-96.0% | $6,261-93.1% |