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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 | $24,510 | $88,672-72.4% | $105,223-76.7% | $82,448-70.3% |
| Participation rate | 80.6% | 67.9%+12.6pp | 75.0%+5.5pp | 68.1%+12.5pp |
| Annual return | 13.94% | 30.86%-16.9pp | 180.65%-166.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $826 | $3,048-72.9% | $3,689-77.6% | $2,551-67.6% |
| Participant deferral / active EE | $1,391 | $4,036-65.5% | $5,072-72.6% | $4,139-66.4% |
| Admin fee / account holder | $634 | $7,146-91.1% | $8,859-92.8% | $7,234-91.2% |