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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 | $54,645 | $167,353-67.3% | $143,797-62.0% | $134,545-59.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -1.14% | 0.48%-1.6pp | -0.04%-1.1pp | 418.37%-419.5pp |
| Employer contribution / active EE | $3,973 | $5,620-29.3% | $4,952-19.8% | $4,742-16.2% |
| Participant deferral / active EE | $1,830 | $6,447-71.6% | $5,638-67.5% | $6,401-71.4% |
| Admin fee / account holder | $384 | $18,096-97.9% | $14,679-97.4% | $11,431-96.6% |