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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 | $18,168 | $64,729-71.9% | $112,263-83.8% | $68,490-73.5% |
| Participation rate | 88.3% | 67.2%+21.2pp | 75.1%+13.2pp | 67.9%+20.4pp |
| Annual return | -16.83% | -11.40%-5.4pp | 27.49%-44.3pp | -7.85%-9.0pp |
| Employer contribution / active EE | $2,176 | $2,746-20.8% | $3,636-40.2% | $2,597-16.2% |
| Participant deferral / active EE | $360 | $3,566-89.9% | $4,729-92.4% | $4,028-91.1% |
| Admin fee / account holder | $1,179 | $5,222-77.4% | $6,410-81.6% | $5,403-78.2% |