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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 | $146,690 | $106,923+37.2% | $84,023+74.6% | $152,909-4.1% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 18.48% | 105.02%-86.5pp | 71.32%-52.8pp | 345.46%-327.0pp |
| Employer contribution / active EE | $651 | $2,735-76.2% | $1,984-67.2% | $4,764-86.3% |
| Participant deferral / active EE | $740 | $4,013-81.6% | $3,239-77.2% | $5,851-87.4% |
| Admin fee / account holder | $3,722 | $8,289-55.1% | $6,102-39.0% | $11,601-67.9% |