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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 | $31,856 | $100,203-68.2% | $85,240-62.6% | $145,897-78.2% |
| Participation rate | 82.4% | 74.1%+8.3pp | 67.5%+14.8pp | 80.3%+2.0pp |
| Annual return | 10.34% | 84.28%-73.9pp | 66.75%-56.4pp | 552.29%-541.9pp |
| Employer contribution / active EE | $0 | $3,242-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $819 | $5,299-84.5% | $4,527-81.9% | $6,689-87.8% |
| Admin fee / account holder | $2,414 | $7,265-66.8% | $6,165-60.8% | $13,390-82.0% |