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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 | $24,341 | $65,364-62.8% | $92,909-73.8% | $72,975-66.6% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 16.50% | 42.11%-25.6pp | 109.44%-92.9pp | 81.01%-64.5pp |
| Employer contribution / active EE | $5,354 | $2,594+106.4% | $3,653+46.6% | $2,440+119.4% |
| Participant deferral / active EE | $118 | $3,128-96.2% | $4,238-97.2% | $3,608-96.7% |
| Admin fee / account holder | $2,821 | $4,251-33.6% | $5,795-51.3% | $5,124-44.9% |