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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 | $13,627 | $111,535-87.8% | $105,223-87.0% | $137,256-90.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 12.17% | 237.85%-225.7pp | 180.65%-168.5pp | 220.34%-208.2pp |
| Employer contribution / active EE | $2,579 | $3,939-34.5% | $3,689-30.1% | $4,156-37.9% |
| Participant deferral / active EE | $355 | $5,500-93.5% | $5,072-93.0% | $6,407-94.5% |
| Admin fee / account holder | $1,489 | $9,721-84.7% | $8,859-83.2% | $12,270-87.9% |