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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 | $24,654 | $61,660-60.0% | $80,022-69.2% | $64,181-61.6% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -7.46% | -0.33%-7.1pp | 11.22%-18.7pp | 7.63%-15.1pp |
| Employer contribution / active EE | $3,940 | $1,810+117.6% | $2,468+59.7% | $2,381+65.5% |
| Participant deferral / active EE | $18 | $2,968-99.4% | $3,686-99.5% | $3,470-99.5% |
| Admin fee / account holder | $645 | $5,417-88.1% | $6,521-90.1% | $4,887-86.8% |