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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 | $34,433 | $72,273-52.4% | $101,275-66.0% | $79,856-56.9% |
| Participation rate | 80.0% | 68.5%+11.5pp | 75.8%+4.2pp | 69.6%+10.4pp |
| Annual return | 0.00% | 22.30%-22.3pp | 46.48%-46.5pp | 31.71%-31.7pp |
| Employer contribution / active EE | $7,475 | $2,691+177.7% | $3,660+104.2% | $2,471+202.5% |
| Participant deferral / active EE | $148 | $3,282-95.5% | $4,371-96.6% | $3,741-96.0% |
| Admin fee / account holder | $1,088 | $4,401-75.3% | $5,948-81.7% | $5,306-79.5% |