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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 | $19,532 | $63,346-69.2% | $92,240-78.8% | $70,126-72.1% |
| Participation rate | 96.6% | 68.7%+27.9pp | 76.5%+20.1pp | 69.5%+27.1pp |
| Annual return | 18.36% | 530.19%-511.8pp | 176.29%-157.9pp | 73.15%-54.8pp |
| Employer contribution / active EE | $2,273 | $2,471-8.0% | $3,680-38.2% | $2,343-3.0% |
| Participant deferral / active EE | $739 | $2,854-74.1% | $3,897-81.0% | $3,332-77.8% |
| Admin fee / account holder | $414 | $3,841-89.2% | $5,194-92.0% | $4,645-91.1% |