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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 | $33,438 | $105,198-68.2% | $159,455-79.0% | $85,856-61.1% |
| Participation rate | 89.2% | 75.8%+13.4pp | 82.8%+6.4pp | 69.3%+19.9pp |
| Annual return | 16.57% | 45.08%-28.5pp | 263.63%-247.1pp | 318.58%-302.0pp |
| Employer contribution / active EE | $735 | $3,319-77.8% | $4,830-84.8% | $2,565-71.3% |
| Participant deferral / active EE | $1,854 | $5,946-68.8% | $7,353-74.8% | $3,952-53.1% |
| Admin fee / account holder | $682 | $6,934-90.2% | $10,800-93.7% | $6,261-89.1% |