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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 | $16,583 | $102,638-83.8% | $81,982-79.8% | $158,982-89.6% |
| Participation rate | 90.0% | 75.5%+14.5pp | 69.3%+20.7pp | 82.0%+8.0pp |
| Annual return | 17.34% | 61.05%-43.7pp | 41.31%-24.0pp | 302.99%-285.7pp |
| Employer contribution / active EE | $2,146 | $3,241-33.8% | $2,498-14.1% | $4,763-54.9% |
| Participant deferral / active EE | $501 | $4,649-89.2% | $3,722-86.5% | $5,983-91.6% |
| Admin fee / account holder | $735 | $8,237-91.1% | $5,665-87.0% | $11,252-93.5% |