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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 | $32,048 | $109,344-70.7% | $89,400-64.2% | $158,950-79.8% |
| Participation rate | 78.3% | 74.3%+4.0pp | 68.0%+10.3pp | 82.0%-3.7pp |
| Annual return | 14.50% | 345.73%-331.2pp | 245.64%-231.1pp | 302.91%-288.4pp |
| Employer contribution / active EE | $0 | $3,170-100.0% | $2,586-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $526 | $4,599-88.6% | $3,890-86.5% | $5,983-91.2% |
| Admin fee / account holder | $1,932 | $6,154-68.6% | $4,882-60.4% | $11,248-82.8% |