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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 | $26,294 | $107,079-75.4% | $151,266-82.6% | $87,485-69.9% |
| Participation rate | 88.9% | 71.1%+17.8pp | 77.0%+11.9pp | 68.9%+20.0pp |
| Annual return | 14.93% | 22.17%-7.2pp | 180.60%-165.7pp | 26.06%-11.1pp |
| Employer contribution / active EE | $1,488 | $3,174-53.1% | $4,237-64.9% | $2,596-42.7% |
| Participant deferral / active EE | $1,754 | $5,789-69.7% | $7,337-76.1% | $4,274-59.0% |
| Admin fee / account holder | $1,493 | $8,059-81.5% | $13,159-88.7% | $7,775-80.8% |