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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 | $106,823 | $167,362-36.2% | $143,799-25.7% | $134,532-20.6% |
| Participation rate | 90.9% | 84.8%+6.1pp | 80.3%+10.6pp | 81.2%+9.7pp |
| Annual return | -8.75% | 0.47%-9.2pp | -0.04%-8.7pp | 418.27%-427.0pp |
| Employer contribution / active EE | $2,722 | $5,620-51.6% | $4,952-45.0% | $4,741-42.6% |
| Participant deferral / active EE | $509 | $6,447-92.1% | $5,638-91.0% | $6,401-92.0% |
| Admin fee / account holder | $1,555 | $18,094-91.4% | $14,677-89.4% | $11,429-86.4% |