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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 | $26,366 | $85,766-69.3% | $136,298-80.7% | $70,126-62.4% |
| Participation rate | 71.4% | 74.2%-2.7pp | 81.9%-10.5pp | 69.5%+1.9pp |
| Annual return | 14.52% | 31.46%-16.9pp | 5156.27%-5141.8pp | 73.15%-58.6pp |
| Employer contribution / active EE | $677 | $2,966-77.2% | $4,696-85.6% | $2,343-71.1% |
| Participant deferral / active EE | $1,729 | $5,051-65.8% | $6,247-72.3% | $3,332-48.1% |
| Admin fee / account holder | $893 | $5,421-83.5% | $9,244-90.3% | $4,645-80.8% |