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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 | $62,740 | $101,063-37.9% | $81,473-23.0% | $147,586-57.5% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 11.75% | 32.41%-20.7pp | 38.78%-27.0pp | 578.59%-566.8pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $125 | $4,242-97.1% | $3,537-96.5% | $5,439-97.7% |
| Admin fee / account holder | $6,101 | $5,812+5.0% | $4,561+33.8% | $10,886-44.0% |