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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 | $31,395 | $162,785-80.7% | $133,959-76.6% | $158,950-80.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 8.82% | 41.94%-33.1pp | 45.09%-36.3pp | 302.91%-294.1pp |
| Employer contribution / active EE | $18,176 | $4,975+265.3% | $3,919+363.8% | $4,762+281.7% |
| Participant deferral / active EE | $1,712 | $5,910-71.0% | $5,047-66.1% | $5,983-71.4% |
| Admin fee / account holder | $524 | $11,738-95.5% | $8,928-94.1% | $11,248-95.3% |