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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 | $23,828 | $106,247-77.6% | $96,515-75.3% | $139,466-82.9% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 15.77% | 38.47%-22.7pp | 35.73%-20.0pp | 373.66%-357.9pp |
| Employer contribution / active EE | $7,618 | $4,106+85.5% | $3,740+103.7% | $4,754+60.3% |
| Participant deferral / active EE | $0 | $5,456-100.0% | $4,880-100.0% | $6,712-100.0% |
| Admin fee / account holder | $1,158 | $7,885-85.3% | $6,735-82.8% | $11,409-89.8% |