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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 | $230,992 | $136,860+68.8% | $120,344+91.9% | $154,746+49.3% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 11.99% | 21.38%-9.4pp | 20.30%-8.3pp | 172.34%-160.3pp |
| Employer contribution / active EE | $5,463 | $3,533+54.6% | $3,020+80.9% | $4,379+24.8% |
| Participant deferral / active EE | $179 | $5,793-96.9% | $5,135-96.5% | $6,730-97.3% |
| Admin fee / account holder | $7,430 | $15,393-51.7% | $12,742-41.7% | $14,365-48.3% |