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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 | $80,632 | $185,905-56.6% | $170,057-52.6% | $139,487-42.2% |
| Participation rate | 80.0% | 87.8%-7.8pp | 87.0%-7.0pp | 80.3%-0.3pp |
| Annual return | 14.20% | 60.56%-46.4pp | 53.42%-39.2pp | 373.84%-359.6pp |
| Employer contribution / active EE | $1,902 | $7,597-75.0% | $6,790-72.0% | $4,755-60.0% |
| Participant deferral / active EE | $886 | $11,627-92.4% | $10,411-91.5% | $6,713-86.8% |
| Admin fee / account holder | $36,520 | $15,397+137.2% | $12,826+184.7% | $11,407+220.1% |