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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 | $62,822 | $131,835-52.3% | $108,582-42.1% | $273,972-77.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 14.42% | -91.57%+106.0pp | -51.70%+66.1pp | 41.46%-27.0pp |
| Employer contribution / active EE | $2,004 | $4,913-59.2% | $3,758-46.7% | $4,869-58.8% |
| Participant deferral / active EE | $731 | $5,127-85.7% | $4,311-83.0% | $5,287-86.2% |
| Admin fee / account holder | $1,409 | $10,253-86.3% | $7,645-81.6% | $10,133-86.1% |