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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 | $25,080 | $100,811-75.1% | $86,698-71.1% | $134,545-81.4% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -12.77% | 29.11%-41.9pp | 35.96%-48.7pp | 418.37%-431.1pp |
| Employer contribution / active EE | $3,272 | $3,490-6.2% | $2,837+15.3% | $4,742-31.0% |
| Participant deferral / active EE | $0 | $5,339-100.0% | $4,656-100.0% | $6,401-100.0% |
| Admin fee / account holder | $1,404 | $10,926-87.1% | $7,492-81.3% | $11,431-87.7% |