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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 | $105,591 | $185,883-43.2% | $170,043-37.9% | $139,466-24.3% |
| Participation rate | 75.0% | 87.8%-12.8pp | 87.0%-12.0pp | 80.3%-5.3pp |
| Annual return | 19.75% | 60.54%-40.8pp | 53.40%-33.7pp | 373.66%-353.9pp |
| Employer contribution / active EE | $2,058 | $7,596-72.9% | $6,790-69.7% | $4,754-56.7% |
| Participant deferral / active EE | $2,686 | $11,626-76.9% | $10,410-74.2% | $6,712-60.0% |
| Admin fee / account holder | $2,372 | $15,393-84.6% | $12,824-81.5% | $11,409-79.2% |