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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 | $67,385 | $57,352+17.5% | $83,831-19.6% | $64,173+5.0% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -7.80% | 11.38%-19.2pp | 850.99%-858.8pp | 7.63%-15.4pp |
| Employer contribution / active EE | $6,960 | $2,546+173.4% | $3,631+91.7% | $2,381+192.4% |
| Participant deferral / active EE | $838 | $2,993-72.0% | $4,082-79.5% | $3,470-75.8% |
| Admin fee / account holder | $6,851 | $4,046+69.3% | $5,479+25.0% | $4,887+40.2% |