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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 | $34,324 | $57,352-40.2% | $83,831-59.1% | $64,173-46.5% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -6.56% | 11.38%-17.9pp | 850.99%-857.6pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,773 | $2,546-30.3% | $3,631-51.2% | $2,381-25.5% |
| Participant deferral / active EE | $110 | $2,993-96.3% | $4,082-97.3% | $3,470-96.8% |
| Admin fee / account holder | $2,488 | $4,046-38.5% | $5,479-54.6% | $4,887-49.1% |