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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 | $59,884 | $172,111-65.2% | $150,298-60.2% | $137,256-56.4% |
| Participation rate | 93.8% | 81.7%+12.0pp | 77.8%+16.0pp | 80.0%+13.8pp |
| Annual return | 15.38% | 69.37%-54.0pp | 62.79%-47.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $6,001 | $4,636+29.4% | $4,154+44.5% | $4,156+44.4% |
| Participant deferral / active EE | $1,051 | $6,166-83.0% | $5,453-80.7% | $6,407-83.6% |
| Admin fee / account holder | $2,426 | $16,471-85.3% | $14,116-82.8% | $12,270-80.2% |