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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 | $24,200 | $89,367-72.9% | $141,191-82.9% | $72,975-66.8% |
| Participation rate | 70.8% | 75.1%-4.3pp | 82.5%-11.6pp | 69.5%+1.3pp |
| Annual return | 20.86% | 111.87%-91.0pp | 71.41%-50.5pp | 81.01%-60.2pp |
| Employer contribution / active EE | $1,998 | $3,115-35.8% | $4,736-57.8% | $2,440-18.1% |
| Participant deferral / active EE | $1,939 | $5,419-64.2% | $6,710-71.1% | $3,608-46.3% |
| Admin fee / account holder | $849 | $5,957-85.7% | $10,264-91.7% | $5,124-83.4% |