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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 | $32,568 | $176,120-81.5% | $159,487-79.6% | $167,553-80.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.73% | 331.95%-319.2pp | 263.71%-251.0pp | 478.89%-466.2pp |
| Employer contribution / active EE | $1,460 | $5,299-72.4% | $4,831-69.8% | $4,840-69.8% |
| Participant deferral / active EE | $1,647 | $7,752-78.7% | $7,354-77.6% | $6,343-74.0% |
| Admin fee / account holder | $2,644 | $12,561-79.0% | $10,804-75.5% | $12,316-78.5% |