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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 | $36,458 | $157,829-76.9% | $136,867-73.4% | $198,609-81.6% |
| Participation rate | 95.8% | 77.2%+18.7pp | 74.5%+21.3pp | 82.4%+13.5pp |
| Annual return | 10.77% | 51.25%-40.5pp | 42.97%-32.2pp | 202.70%-191.9pp |
| Employer contribution / active EE | $3,080 | $3,923-21.5% | $3,547-13.2% | $5,055-39.1% |
| Participant deferral / active EE | $1,124 | $5,463-79.4% | $4,924-77.2% | $6,977-83.9% |
| Admin fee / account holder | $1,253 | $11,107-88.7% | $10,340-87.9% | $19,030-93.4% |