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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 | $50,911 | $167,353-69.6% | $143,797-64.6% | $134,545-62.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.21% | 0.48%-17.7pp | -0.04%-17.2pp | 418.37%-435.6pp |
| Employer contribution / active EE | $3,259 | $5,620-42.0% | $4,952-34.2% | $4,742-31.3% |
| Participant deferral / active EE | $370 | $6,447-94.3% | $5,638-93.4% | $6,401-94.2% |
| Admin fee / account holder | $6,343 | $18,096-64.9% | $14,679-56.8% | $11,431-44.5% |