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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 | $147,911 | $162,812-9.2% | $133,971+10.4% | $158,966-7.0% |
| Participation rate | 77.8% | 83.2%-5.4pp | 79.8%-2.1pp | 82.0%-4.2pp |
| Annual return | 16.70% | 41.94%-25.2pp | 45.09%-28.4pp | 302.95%-286.3pp |
| Employer contribution / active EE | $15,614 | $4,976+213.8% | $3,919+298.4% | $4,762+227.9% |
| Participant deferral / active EE | $1,173 | $5,910-80.1% | $5,047-76.8% | $5,983-80.4% |
| Admin fee / account holder | $946 | $11,741-91.9% | $8,929-89.4% | $11,250-91.6% |