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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 | $104,848 | $131,835-20.5% | $108,582-3.4% | $273,972-61.7% |
| Participation rate | 86.4% | 83.5%+2.9pp | 79.6%+6.8pp | 83.0%+3.3pp |
| Annual return | 3.39% | -91.57%+95.0pp | -51.70%+55.1pp | 41.46%-38.1pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $888 | $5,127-82.7% | $4,311-79.4% | $5,287-83.2% |
| Admin fee / account holder | $1,465 | $10,253-85.7% | $7,645-80.8% | $10,133-85.5% |