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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 | $60,957 | $106,557-42.8% | $91,227-33.2% | $134,545-54.7% |
| Participation rate | 83.3% | 76.8%+6.5pp | 73.2%+10.1pp | 81.2%+2.1pp |
| Annual return | -16.37% | 160.81%-177.2pp | 114.14%-130.5pp | 418.37%-434.7pp |
| Employer contribution / active EE | $896 | $3,332-73.1% | $2,851-68.6% | $4,742-81.1% |
| Participant deferral / active EE | $655 | $4,719-86.1% | $4,234-84.5% | $6,401-89.8% |
| Admin fee / account holder | $3,262 | $6,235-47.7% | $5,423-39.9% | $11,431-71.5% |