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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 | $29,639 | $52,678-43.7% | $75,784-60.9% | $59,633-50.3% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.8%+24.2pp | 68.7%+31.3pp |
| Annual return | -0.85% | 2.95%-3.8pp | 9.68%-10.5pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $1,603 | $2,193-26.9% | $3,323-51.8% | $2,203-27.2% |
| Participant deferral / active EE | $848 | $2,591-67.3% | $3,652-76.8% | $3,192-73.4% |
| Admin fee / account holder | $592 | $3,610-83.6% | $5,300-88.8% | $4,297-86.2% |