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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 | $55,840 | $133,998-58.3% | $112,263-50.3% | $134,545-58.5% |
| Participation rate | 88.9% | 78.6%+10.3pp | 75.1%+13.8pp | 81.2%+7.7pp |
| Annual return | -19.62% | 47.17%-66.8pp | 27.49%-47.1pp | 418.37%-438.0pp |
| Employer contribution / active EE | $3,097 | $4,040-23.4% | $3,636-14.8% | $4,742-34.7% |
| Participant deferral / active EE | $1,317 | $5,292-75.1% | $4,729-72.2% | $6,401-79.4% |
| Admin fee / account holder | $629 | $7,493-91.6% | $6,410-90.2% | $11,431-94.5% |