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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 | $21,781 | $54,370-59.9% | $82,763-73.7% | $68,490-68.2% |
| Participation rate | 87.0% | 63.9%+23.1pp | 72.6%+14.5pp | 67.9%+19.1pp |
| Annual return | -14.26% | -13.67%-0.6pp | 702.45%-716.7pp | -7.85%-6.4pp |
| Employer contribution / active EE | $1,739 | $2,219-21.7% | $3,008-42.2% | $2,597-33.0% |
| Participant deferral / active EE | $756 | $3,247-76.7% | $4,395-82.8% | $4,028-81.2% |
| Admin fee / account holder | $1,022 | $4,398-76.8% | $5,325-80.8% | $5,403-81.1% |