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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 | $88,071 | $95,917-8.2% | $79,583+10.7% | $134,545-34.5% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | 5.34% | -2.70%+8.0pp | 0.16%+5.2pp | 418.37%-413.0pp |
| Employer contribution / active EE | $9,077 | $3,129+190.1% | $2,414+276.1% | $4,742+91.4% |
| Participant deferral / active EE | $752 | $4,694-84.0% | $3,986-81.1% | $6,401-88.3% |
| Admin fee / account holder | $3,265 | $9,132-64.2% | $6,835-52.2% | $11,431-71.4% |