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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 | $84,731 | $106,905-20.7% | $84,020+0.8% | $152,885-44.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 8.00% | 105.00%-97.0pp | 71.31%-63.3pp | 345.39%-337.4pp |
| Employer contribution / active EE | $5,000 | $2,735+82.8% | $1,984+152.1% | $4,763+5.0% |
| Participant deferral / active EE | $587 | $4,012-85.4% | $3,239-81.9% | $5,851-90.0% |
| Admin fee / account holder | $3,740 | $8,287-54.9% | $6,101-38.7% | $11,598-67.7% |