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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 | $174,379-65.7% | $152,093-60.6% | $138,895-56.9% |
| Participation rate | 93.8% | 81.6%+12.1pp | 77.8%+16.0pp | 79.9%+13.8pp |
| Annual return | 15.38% | 74.86%-59.5pp | 66.36%-51.0pp | 145.39%-130.0pp |
| Employer contribution / active EE | $6,001 | $4,652+29.0% | $4,175+43.7% | $4,194+43.1% |
| Participant deferral / active EE | $1,051 | $6,159-82.9% | $5,451-80.7% | $6,396-83.6% |
| Admin fee / account holder | $2,426 | $16,880-85.6% | $14,497-83.3% | $12,562-80.7% |