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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 | $16,891 | $115,810-85.4% | $101,271-83.3% | $158,966-89.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 29.63% | 56.15%-26.5pp | 46.48%-16.8pp | 302.95%-273.3pp |
| Employer contribution / active EE | $8,024 | $4,175+92.2% | $3,660+119.2% | $4,762+68.5% |
| Participant deferral / active EE | $772 | $4,958-84.4% | $4,371-82.3% | $5,983-87.1% |
| Admin fee / account holder | $1,390 | $7,248-80.8% | $5,948-76.6% | $11,250-87.6% |