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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 | $19,846 | $63,346-68.7% | $92,240-78.5% | $70,126-71.7% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 16.53% | 530.19%-513.7pp | 176.29%-159.8pp | 73.15%-56.6pp |
| Employer contribution / active EE | $7,012 | $2,471+183.7% | $3,680+90.6% | $2,343+199.3% |
| Participant deferral / active EE | $784 | $2,854-72.5% | $3,897-79.9% | $3,332-76.5% |
| Admin fee / account holder | $2,601 | $3,841-32.3% | $5,194-49.9% | $4,645-44.0% |