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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 | $8,613 | $99,995-91.4% | $85,063-89.9% | $145,978-94.1% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 14.71% | 83.99%-69.3pp | 66.54%-51.8pp | 550.52%-535.8pp |
| Employer contribution / active EE | $415 | $3,231-87.1% | $2,727-84.8% | $4,662-91.1% |
| Participant deferral / active EE | $851 | $5,295-83.9% | $4,523-81.2% | $6,690-87.3% |
| Admin fee / account holder | $1,201 | $7,255-83.4% | $6,155-80.5% | $13,400-91.0% |