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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 | $235,655 | $133,981+75.9% | $112,249+109.9% | $134,532+75.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -15.97% | 47.16%-63.1pp | 27.48%-43.4pp | 418.27%-434.2pp |
| Employer contribution / active EE | $6,061 | $4,040+50.0% | $3,636+66.7% | $4,741+27.8% |
| Participant deferral / active EE | $398 | $5,292-92.5% | $4,729-91.6% | $6,401-93.8% |
| Admin fee / account holder | $4,880 | $7,492-34.9% | $6,412-23.9% | $11,429-57.3% |