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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 | $184,520 | $95,917+92.4% | $79,583+131.9% | $134,545+37.1% |
| Participation rate | 90.9% | 75.0%+15.9pp | 69.5%+21.4pp | 81.2%+9.7pp |
| Annual return | -15.78% | -2.70%-13.1pp | 0.16%-15.9pp | 418.37%-434.1pp |
| Employer contribution / active EE | $547 | $3,129-82.5% | $2,414-77.3% | $4,742-88.5% |
| Participant deferral / active EE | $582 | $4,694-87.6% | $3,986-85.4% | $6,401-90.9% |
| Admin fee / account holder | $2,121 | $9,132-76.8% | $6,835-69.0% | $11,431-81.4% |