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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 | $9,583 | $47,479-79.8% | $62,929-84.8% | $82,448-88.4% |
| Participation rate | 85.7% | 66.9%+18.8pp | 73.1%+12.6pp | 68.1%+17.6pp |
| Annual return | 11.74% | 20.34%-8.6pp | 1063.93%-1052.2pp | 41.64%-29.9pp |
| Employer contribution / active EE | $443 | $1,885-76.5% | $2,505-82.3% | $2,551-82.6% |
| Participant deferral / active EE | $579 | $2,870-79.8% | $3,888-85.1% | $4,139-86.0% |
| Admin fee / account holder | $694 | $3,804-81.8% | $5,065-86.3% | $7,234-90.4% |