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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 | $107,635 | $142,430-24.4% | $115,170-6.5% | $152,897-29.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 25.79% | 41.48%-15.7pp | 35.60%-9.8pp | 345.43%-319.6pp |
| Employer contribution / active EE | $8,566 | $4,011+113.6% | $3,179+169.4% | $4,764+79.8% |
| Participant deferral / active EE | $1,411 | $5,165-72.7% | $4,169-66.2% | $5,851-75.9% |
| Admin fee / account holder | $526 | $8,464-93.8% | $7,089-92.6% | $11,599-95.5% |