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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 | $41,004 | $73,988-44.6% | $96,538-57.5% | $75,177-45.5% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 13.73% | 26.73%-13.0pp | 35.74%-22.0pp | 160.75%-147.0pp |
| Employer contribution / active EE | $12,023 | $2,930+310.3% | $3,740+221.5% | $2,671+350.1% |
| Participant deferral / active EE | $563 | $3,660-84.6% | $4,880-88.5% | $4,126-86.4% |
| Admin fee / account holder | $5,134 | $5,220-1.6% | $6,737-23.8% | $5,651-9.2% |