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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 | $83,131 | $133,998-38.0% | $112,263-26.0% | $134,545-38.2% |
| Participation rate | 93.8% | 78.6%+15.2pp | 75.1%+18.7pp | 81.2%+12.5pp |
| Annual return | -14.67% | 47.17%-61.8pp | 27.49%-42.2pp | 418.37%-433.0pp |
| Employer contribution / active EE | $1,268 | $4,040-68.6% | $3,636-65.1% | $4,742-73.3% |
| Participant deferral / active EE | $1,282 | $5,292-75.8% | $4,729-72.9% | $6,401-80.0% |
| Admin fee / account holder | $908 | $7,493-87.9% | $6,410-85.8% | $11,431-92.1% |