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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 | $20,776 | $64,729-67.9% | $112,263-81.5% | $68,490-69.7% |
| Participation rate | 77.4% | 67.2%+10.3pp | 75.1%+2.4pp | 67.9%+9.5pp |
| Annual return | -9.48% | -11.40%+1.9pp | 27.49%-37.0pp | -7.85%-1.6pp |
| Employer contribution / active EE | $8,586 | $2,746+212.7% | $3,636+136.1% | $2,597+230.7% |
| Participant deferral / active EE | $554 | $3,566-84.5% | $4,729-88.3% | $4,028-86.2% |
| Admin fee / account holder | $3,401 | $5,222-34.9% | $6,410-46.9% | $5,403-37.1% |