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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 | $137,258 | $114,119+20.3% | $107,187+28.1% | $138,895-1.2% |
| Participation rate | 92.9% | 78.1%+14.8pp | 75.0%+17.8pp | 79.9%+12.9pp |
| Annual return | 12.59% | 273.21%-260.6pp | 204.55%-192.0pp | 145.39%-132.8pp |
| Employer contribution / active EE | $12,015 | $4,059+196.0% | $3,782+217.7% | $4,194+186.5% |
| Participant deferral / active EE | $648 | $5,538-88.3% | $5,096-87.3% | $6,396-89.9% |
| Admin fee / account holder | $27,370 | $10,024+173.1% | $9,162+198.7% | $12,562+117.9% |