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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 | $35,123 | $88,672-60.4% | $105,223-66.6% | $82,448-57.4% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 16.73% | 30.86%-14.1pp | 180.65%-163.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $3,247 | $3,048+6.5% | $3,689-12.0% | $2,551+27.3% |
| Participant deferral / active EE | $918 | $4,036-77.3% | $5,072-81.9% | $4,139-77.8% |
| Admin fee / account holder | $1,179 | $7,146-83.5% | $8,859-86.7% | $7,234-83.7% |