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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 | $175,167 | $183,592-4.6% | $155,567+12.6% | $145,959+20.0% |
| Participation rate | 83.3% | 82.7%+0.7pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 8.89% | 61.24%-52.3pp | 64.74%-55.8pp | 561.95%-553.1pp |
| Employer contribution / active EE | $11,493 | $5,315+116.3% | $4,674+145.9% | $4,661+146.6% |
| Participant deferral / active EE | $1,808 | $6,464-72.0% | $5,628-67.9% | $6,689-73.0% |
| Admin fee / account holder | $4,230 | $19,318-78.1% | $15,916-73.4% | $13,398-68.4% |