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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 | $25,409 | $54,380-53.3% | $68,509-62.9% | $59,633-57.4% |
| Participation rate | 84.6% | 70.2%+14.4pp | 74.7%+9.9pp | 68.7%+15.9pp |
| Annual return | -1.08% | 2.83%-3.9pp | 8.27%-9.3pp | 2041.40%-2042.5pp |
| Employer contribution / active EE | $754 | $1,539-51.0% | $2,278-66.9% | $2,203-65.8% |
| Participant deferral / active EE | $966 | $2,643-63.5% | $3,382-71.5% | $3,192-69.7% |
| Admin fee / account holder | $1,058 | $3,885-72.8% | $5,275-79.9% | $4,297-75.4% |