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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 | $29,822 | $91,167-67.3% | $178,498-83.3% | $79,858-62.7% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 24.97% | 24.19%+0.8pp | 151.09%-126.1pp | 31.72%-6.7pp |
| Employer contribution / active EE | $12,257 | $3,255+276.5% | $5,011+144.6% | $2,471+396.0% |
| Participant deferral / active EE | $0 | $3,236-100.0% | $5,202-100.0% | $3,740-100.0% |
| Admin fee / account holder | $2,541 | $6,747-62.3% | $13,985-81.8% | $5,306-52.1% |