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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 | $92,595 | $138,072-32.9% | $123,549-25.1% | $135,382-31.6% |
| Participation rate | 71.4% | 84.7%-13.3pp | 82.3%-10.9pp | 82.6%-11.2pp |
| Annual return | -4.87% | 153.69%-158.6pp | 119.20%-124.1pp | 519.77%-524.6pp |
| Employer contribution / active EE | $1,450 | $5,152-71.9% | $4,628-68.7% | $4,779-69.7% |
| Participant deferral / active EE | $1,771 | $6,799-74.0% | $6,426-72.4% | $5,609-68.4% |
| Admin fee / account holder | $3,636 | $10,917-66.7% | $9,284-60.8% | $10,829-66.4% |