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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 | $59,360 | $52,911+12.2% | $73,309-19.0% | $59,633-0.5% |
| Participation rate | 83.1% | 68.2%+14.9pp | 74.9%+8.2pp | 68.7%+14.4pp |
| Annual return | -2.12% | 12.20%-14.3pp | 5.67%-7.8pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $5,011 | $1,909+162.5% | $3,237+54.8% | $2,203+127.5% |
| Participant deferral / active EE | $1,229 | $4,069-69.8% | $4,991-75.4% | $3,192-61.5% |
| Admin fee / account holder | $2,022 | $3,835-47.3% | $5,635-64.1% | $4,297-52.9% |