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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 | $27,984 | $57,352-51.2% | $83,831-66.6% | $64,173-56.4% |
| Participation rate | 78.7% | 68.6%+10.1pp | 76.1%+2.6pp | 69.6%+9.2pp |
| Annual return | -6.39% | 11.38%-17.8pp | 850.99%-857.4pp | 7.63%-14.0pp |
| Employer contribution / active EE | $2,514 | $2,546-1.2% | $3,631-30.8% | $2,381+5.6% |
| Participant deferral / active EE | $871 | $2,993-70.9% | $4,082-78.7% | $3,470-74.9% |
| Admin fee / account holder | $3,020 | $4,046-25.4% | $5,479-44.9% | $4,887-38.2% |