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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 | $30,668 | $62,549-51.0% | $85,705-64.2% | $85,851-64.3% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.9%+30.1pp | 69.3%+30.7pp |
| Annual return | 11.09% | 23.77%-12.7pp | 21.49%-10.4pp | 318.63%-307.5pp |
| Employer contribution / active EE | $1,500 | $1,755-14.6% | $2,619-42.7% | $2,565-41.5% |
| Participant deferral / active EE | $0 | $2,802-100.0% | $3,924-100.0% | $3,952-100.0% |
| Admin fee / account holder | $866 | $4,644-81.4% | $6,877-87.4% | $6,261-86.2% |