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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 | $43,325 | $167,353-74.1% | $143,797-69.9% | $134,545-67.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.89% | 0.48%-15.4pp | -0.04%-14.8pp | 418.37%-433.3pp |
| Employer contribution / active EE | $2,543 | $5,620-54.8% | $4,952-48.7% | $4,742-46.4% |
| Participant deferral / active EE | $1,163 | $6,447-82.0% | $5,638-79.4% | $6,401-81.8% |
| Admin fee / account holder | $301 | $18,096-98.3% | $14,679-97.9% | $11,431-97.4% |