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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 | $67,708 | $162,821-58.4% | $133,978-49.5% | $158,982-57.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 14.14% | 41.95%-27.8pp | 45.10%-31.0pp | 302.99%-288.9pp |
| Employer contribution / active EE | $9,710 | $4,976+95.1% | $3,919+147.8% | $4,763+103.9% |
| Participant deferral / active EE | $891 | $5,910-84.9% | $5,047-82.4% | $5,983-85.1% |
| Admin fee / account holder | $615 | $11,742-94.8% | $8,930-93.1% | $11,252-94.5% |