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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 | $197,637-52.0% | $177,848-46.6% | $158,982-40.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 20.72% | 58.77%-38.0pp | 48.33%-27.6pp | 302.99%-282.3pp |
| Employer contribution / active EE | $1,521 | $6,698-77.3% | $5,919-74.3% | $4,763-68.1% |
| Participant deferral / active EE | $1,092 | $8,405-87.0% | $7,714-85.8% | $5,983-81.7% |
| Admin fee / account holder | $1,156 | $15,406-92.5% | $12,431-90.7% | $11,252-89.7% |