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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 | $32,428 | $133,981-75.8% | $112,249-71.1% | $134,532-75.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -16.30% | 47.16%-63.5pp | 27.48%-43.8pp | 418.27%-434.6pp |
| Employer contribution / active EE | $4,577 | $4,040+13.3% | $3,636+25.9% | $4,741-3.5% |
| Participant deferral / active EE | $1,327 | $5,292-74.9% | $4,729-71.9% | $6,401-79.3% |
| Admin fee / account holder | $4,005 | $7,492-46.5% | $6,412-37.5% | $11,429-65.0% |