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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 | $35,275 | $93,124-62.1% | $77,100-54.2% | $134,545-73.8% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -16.89% | 62.68%-79.6pp | 42.35%-59.2pp | 418.37%-435.3pp |
| Employer contribution / active EE | $4,631 | $3,421+35.3% | $2,815+64.5% | $4,742-2.3% |
| Participant deferral / active EE | $773 | $5,242-85.3% | $4,430-82.6% | $6,401-87.9% |
| Admin fee / account holder | $404 | $6,970-94.2% | $5,443-92.6% | $11,431-96.5% |