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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 | $117,627 | $92,219+27.6% | $76,767+53.2% | $135,380-13.1% |
| Participation rate | 85.7% | 79.8%+5.9pp | 77.0%+8.8pp | 82.6%+3.1pp |
| Annual return | -8.38% | 5.46%-13.8pp | 2.43%-10.8pp | 519.81%-528.2pp |
| Employer contribution / active EE | $0 | $3,216-100.0% | $2,485-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,351 | $4,508-70.0% | $3,852-64.9% | $5,609-75.9% |
| Admin fee / account holder | $1,417 | $10,749-86.8% | $6,675-78.8% | $10,828-86.9% |