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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 | $31,323 | $99,957-68.7% | $149,730-79.1% | $73,493-57.4% |
| Participation rate | 71.3% | 75.7%-4.4pp | 82.5%-11.2pp | 70.7%+0.6pp |
| Annual return | 24.01% | 53.87%-29.9pp | 276.70%-252.7pp | 28.51%-4.5pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,026 | $6,073-66.6% | $6,843-70.4% | $3,740-45.8% |
| Admin fee / account holder | $1,514 | $551+174.8% | $9,310-83.7% | $513+195.0% |