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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 | $128,739 | $129,959-0.9% | $104,301+23.4% | $134,509-4.3% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -15.12% | 42.04%-57.2pp | 24.61%-39.7pp | 418.13%-433.3pp |
| Employer contribution / active EE | $7,609 | $4,185+81.8% | $3,373+125.6% | $4,741+60.5% |
| Participant deferral / active EE | $1,331 | $5,589-76.2% | $4,626-71.2% | $6,400-79.2% |
| Admin fee / account holder | $1,721 | $9,325-81.5% | $7,340-76.5% | $11,427-84.9% |