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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 | $119,135 | $64,729+84.1% | $112,263+6.1% | $68,490+73.9% |
| Participation rate | 84.6% | 67.2%+17.5pp | 75.1%+9.6pp | 67.9%+16.7pp |
| Annual return | -16.92% | -11.40%-5.5pp | 27.49%-44.4pp | -7.85%-9.1pp |
| Employer contribution / active EE | $22,215 | $2,746+709.0% | $3,636+510.9% | $2,597+755.5% |
| Participant deferral / active EE | $1,056 | $3,566-70.4% | $4,729-77.7% | $4,028-73.8% |
| Admin fee / account holder | $13,014 | $5,222+149.2% | $6,410+103.0% | $5,403+140.9% |