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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 | $204,210 | $110,240+85.2% | $96,544+111.5% | $139,487+46.4% |
| Participation rate | 85.7% | 78.1%+7.6pp | 76.0%+9.7pp | 80.3%+5.4pp |
| Annual return | 14.59% | 26.41%-11.8pp | 25.88%-11.3pp | 373.84%-359.3pp |
| Employer contribution / active EE | $7,329 | $3,622+102.3% | $2,966+147.1% | $4,755+54.1% |
| Participant deferral / active EE | $774 | $5,549-86.0% | $4,851-84.0% | $6,713-88.5% |
| Admin fee / account holder | $4,742 | $11,602-59.1% | $8,254-42.5% | $11,407-58.4% |