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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 | $66,129 | $77,816-15.0% | $123,549-46.5% | $64,181+3.0% |
| Participation rate | 92.3% | 74.7%+17.6pp | 82.3%+10.0pp | 69.6%+22.7pp |
| Annual return | -4.01% | 12.49%-16.5pp | 119.20%-123.2pp | 7.63%-11.6pp |
| Employer contribution / active EE | $9,925 | $3,014+229.3% | $4,628+114.5% | $2,381+316.9% |
| Participant deferral / active EE | $2,181 | $5,240-58.4% | $6,426-66.1% | $3,470-37.1% |
| Admin fee / account holder | $3,809 | $5,519-31.0% | $9,284-59.0% | $4,887-22.1% |