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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 | $36,002 | $86,288-58.3% | $111,306-67.7% | $85,851-58.1% |
| Participation rate | 100.0% | 73.3%+26.7pp | 77.3%+22.7pp | 69.3%+30.7pp |
| Annual return | 23.39% | 19.99%+3.4pp | 54.67%-31.3pp | 318.63%-295.2pp |
| Employer contribution / active EE | $1,812 | $2,044-11.4% | $2,732-33.7% | $2,565-29.4% |
| Participant deferral / active EE | $1,056 | $3,641-71.0% | $4,488-76.5% | $3,952-73.3% |
| Admin fee / account holder | $2,047 | $8,189-75.0% | $7,966-74.3% | $6,261-67.3% |