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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 | $58,245 | $105,284-44.7% | $150,734-61.4% | $94,015-38.0% |
| Participation rate | 100.0% | 71.7%+28.3pp | 78.4%+21.6pp | 70.8%+29.2pp |
| Annual return | 10.91% | 15.67%-4.8pp | 600.81%-589.9pp | 17.84%-6.9pp |
| Employer contribution / active EE | $20,222 | $3,599+461.9% | $4,918+311.2% | $2,790+624.8% |
| Participant deferral / active EE | $403 | $4,274-90.6% | $5,610-92.8% | $4,249-90.5% |
| Admin fee / account holder | $8,223 | $9,839-16.4% | $14,905-44.8% | $8,951-8.1% |