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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 | $15,585 | $48,011-67.5% | $63,803-75.6% | $82,637-81.1% |
| Participation rate | 92.7% | 66.6%+26.1pp | 72.7%+20.0pp | 68.1%+24.6pp |
| Annual return | 17.66% | 19.84%-2.2pp | 543.72%-526.1pp | 53.51%-35.8pp |
| Employer contribution / active EE | $1,666 | $1,904-12.5% | $2,532-34.2% | $2,552-34.7% |
| Participant deferral / active EE | $266 | $2,846-90.7% | $3,843-93.1% | $4,126-93.6% |
| Admin fee / account holder | $699 | $3,873-81.9% | $5,196-86.5% | $7,339-90.5% |