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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 | $21,533 | $107,353-79.9% | $92,903-76.8% | $152,885-85.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 15.86% | 145.62%-129.8pp | 109.43%-93.6pp | 345.39%-329.5pp |
| Employer contribution / active EE | $2,991 | $4,222-29.1% | $3,653-18.1% | $4,763-37.2% |
| Participant deferral / active EE | $779 | $4,848-83.9% | $4,238-81.6% | $5,851-86.7% |
| Admin fee / account holder | $423 | $7,081-94.0% | $5,795-92.7% | $11,598-96.3% |