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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 | $242,687 | $117,829+106.0% | $102,423+136.9% | $145,877+66.4% |
| Participation rate | 72.7% | 78.6%-5.9pp | 76.5%-3.8pp | 80.3%-7.6pp |
| Annual return | 12.94% | 31.83%-18.9pp | 29.42%-16.5pp | 551.28%-538.3pp |
| Employer contribution / active EE | $13,958 | $3,615+286.2% | $3,023+361.7% | $4,663+199.3% |
| Participant deferral / active EE | $1,343 | $5,732-76.6% | $5,054-73.4% | $6,691-79.9% |
| Admin fee / account holder | $4,781 | $13,335-64.1% | $9,455-49.4% | $13,402-64.3% |