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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 | $40,762 | $65,575-37.8% | $86,209-52.7% | $75,181-45.8% |
| Participation rate | 82.3% | 60.5%+21.8pp | 69.0%+13.3pp | 67.2%+15.1pp |
| Annual return | 12.94% | 46.07%-33.1pp | 1169.05%-1156.1pp | 160.69%-147.8pp |
| Employer contribution / active EE | $633 | $1,553-59.3% | $2,381-73.4% | $2,671-76.3% |
| Participant deferral / active EE | $765 | $3,023-74.7% | $3,986-80.8% | $4,126-81.5% |
| Admin fee / account holder | $3,084 | $5,470-43.6% | $6,853-55.0% | $5,650-45.4% |