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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 | $73,949 | $77,419-4.5% | $69,461+6.5% | $152,885-51.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.6%+25.4pp | 82.5%+17.5pp |
| Annual return | 5.55% | 39.07%-33.5pp | 28.97%-23.4pp | 345.39%-339.8pp |
| Employer contribution / active EE | $2,405 | $3,315-27.4% | $2,779-13.5% | $4,763-49.5% |
| Participant deferral / active EE | $0 | $4,414-100.0% | $3,536-100.0% | $5,851-100.0% |
| Admin fee / account holder | $580 | $6,207-90.7% | $3,840-84.9% | $11,598-95.0% |