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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 | $94,905 | $197,594-52.0% | $177,822-46.6% | $158,931-40.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 20.72% | 58.76%-38.0pp | 48.32%-27.6pp | 302.86%-282.1pp |
| Employer contribution / active EE | $1,521 | $6,697-77.3% | $5,918-74.3% | $4,761-68.1% |
| Participant deferral / active EE | $1,092 | $8,405-87.0% | $7,714-85.8% | $5,982-81.7% |
| Admin fee / account holder | $1,156 | $15,400-92.5% | $12,428-90.7% | $11,247-89.7% |