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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 | $27,396 | $107,421-74.5% | $182,262-85.0% | $94,015-70.9% |
| Participation rate | 100.0% | 77.8%+22.2pp | 84.2%+15.8pp | 70.8%+29.2pp |
| Annual return | 22.19% | 21.32%+0.9pp | 140.60%-118.4pp | 17.84%+4.4pp |
| Employer contribution / active EE | $4,795 | $3,448+39.1% | $5,046-5.0% | $2,790+71.9% |
| Participant deferral / active EE | $1,844 | $6,558-71.9% | $8,276-77.7% | $4,249-56.6% |
| Admin fee / account holder | $1,268 | $8,692-85.4% | $16,712-92.4% | $8,951-85.8% |