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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 | $21,692 | $57,352-62.2% | $83,831-74.1% | $64,173-66.2% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -3.45% | 11.38%-14.8pp | 850.99%-854.4pp | 7.63%-11.1pp |
| Employer contribution / active EE | $2,645 | $2,546+3.9% | $3,631-27.2% | $2,381+11.1% |
| Participant deferral / active EE | $1,163 | $2,993-61.1% | $4,082-71.5% | $3,470-66.5% |
| Admin fee / account holder | $380 | $4,046-90.6% | $5,479-93.1% | $4,887-92.2% |