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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 | $39,230 | $165,399-76.3% | $149,745-73.8% | $158,982-75.3% |
| Participation rate | 79.2% | 84.6%-5.4pp | 82.5%-3.3pp | 82.0%-2.8pp |
| Annual return | 17.05% | 348.34%-331.3pp | 276.72%-259.7pp | 302.99%-285.9pp |
| Employer contribution / active EE | $2,550 | $5,105-50.0% | $4,646-45.1% | $4,763-46.5% |
| Participant deferral / active EE | $1,593 | $7,183-77.8% | $6,843-76.7% | $5,983-73.4% |
| Admin fee / account holder | $374 | $10,811-96.5% | $9,312-96.0% | $11,252-96.7% |