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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 | $53,749 | $93,345-42.4% | $119,126-54.9% | $87,485-38.6% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 12.93% | 19.08%-6.2pp | 282.11%-269.2pp | 26.06%-13.1pp |
| Employer contribution / active EE | $12,316 | $3,172+288.3% | $4,034+205.3% | $2,596+374.4% |
| Participant deferral / active EE | $703 | $4,099-82.9% | $5,318-86.8% | $4,274-83.6% |
| Admin fee / account holder | $3,277 | $8,039-59.2% | $10,693-69.4% | $7,775-57.9% |