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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 | $67,462 | $227,291-70.3% | $214,702-68.6% | $155,188-56.5% |
| Participation rate | 91.7% | 88.0%+3.7pp | 87.5%+4.2pp | 80.8%+10.9pp |
| Annual return | 13.27% | 60.08%-46.8pp | 54.55%-41.3pp | 148.84%-135.6pp |
| Employer contribution / active EE | $2,029 | $6,772-70.0% | $6,461-68.6% | $4,248-52.2% |
| Participant deferral / active EE | $883 | $9,582-90.8% | $9,147-90.3% | $6,531-86.5% |
| Admin fee / account holder | $8,852 | $20,413-56.6% | $19,830-55.4% | $14,480-38.9% |