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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 | $44,416 | $138,076-67.8% | $123,553-64.1% | $135,380-67.2% |
| Participation rate | 77.8% | 84.7%-7.0pp | 82.3%-4.5pp | 82.6%-4.9pp |
| Annual return | -4.71% | 153.70%-158.4pp | 119.21%-123.9pp | 519.81%-524.5pp |
| Employer contribution / active EE | $3,678 | $5,152-28.6% | $4,628-20.5% | $4,779-23.0% |
| Participant deferral / active EE | $2,198 | $6,800-67.7% | $6,426-65.8% | $5,609-60.8% |
| Admin fee / account holder | $9,388 | $10,917-14.0% | $9,284+1.1% | $10,828-13.3% |