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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 | $85,775 | $209,425-59.0% | $178,499-51.9% | $158,966-46.0% |
| Participation rate | 84.2% | 86.4%-2.1pp | 81.9%+2.3pp | 82.0%+2.2pp |
| Annual return | 9.80% | 188.80%-179.0pp | 151.10%-141.3pp | 302.95%-293.2pp |
| Employer contribution / active EE | $10,038 | $5,707+75.9% | $5,011+100.3% | $4,762+110.8% |
| Participant deferral / active EE | $652 | $5,955-89.1% | $5,202-87.5% | $5,983-89.1% |
| Admin fee / account holder | $324 | $17,078-98.1% | $13,986-97.7% | $11,250-97.1% |