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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 | $28,238 | $157,304-82.0% | $141,197-80.0% | $152,909-81.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 16.46% | 64.34%-47.9pp | 71.41%-54.9pp | 345.46%-329.0pp |
| Employer contribution / active EE | $11,025 | $5,263+109.5% | $4,736+132.8% | $4,764+131.4% |
| Participant deferral / active EE | $2,135 | $7,111-70.0% | $6,710-68.2% | $5,851-63.5% |
| Admin fee / account holder | $820 | $12,126-93.2% | $10,265-92.0% | $11,601-92.9% |