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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 | $53,363 | $82,678-35.5% | $125,391-57.4% | $68,490-22.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | 5.66% | -5.97%+11.6pp | 572.41%-566.8pp | -7.85%+13.5pp |
| Employer contribution / active EE | $4,454 | $3,382+31.7% | $4,816-7.5% | $2,597+71.5% |
| Participant deferral / active EE | $2,317 | $6,111-62.1% | $7,448-68.9% | $4,028-42.5% |
| Admin fee / account holder | $1,835 | $6,277-70.8% | $10,009-81.7% | $5,403-66.0% |