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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 | $38,635 | $167,353-76.9% | $143,797-73.1% | $134,545-71.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.88% | 0.48%-16.4pp | -0.04%-15.8pp | 418.37%-434.2pp |
| Employer contribution / active EE | $3,863 | $5,620-31.3% | $4,952-22.0% | $4,742-18.5% |
| Participant deferral / active EE | $585 | $6,447-90.9% | $5,638-89.6% | $6,401-90.9% |
| Admin fee / account holder | $423 | $18,096-97.7% | $14,679-97.1% | $11,431-96.3% |