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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 | $53,747 | $94,529-43.1% | $140,019-61.6% | $64,173-16.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 87.5%+12.5pp | 69.6%+30.4pp |
| Annual return | -7.06% | 7.77%-14.8pp | 651.15%-658.2pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,706 | $3,812-29.0% | $5,605-51.7% | $2,381+13.7% |
| Participant deferral / active EE | $1,857 | $5,250-64.6% | $6,927-73.2% | $3,470-46.5% |
| Admin fee / account holder | $580 | $6,741-91.4% | $10,705-94.6% | $4,887-88.1% |