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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 | $142,220 | $185,312-23.3% | $161,489-11.9% | $154,746-8.1% |
| Participation rate | 95.0% | 82.5%+12.5pp | 78.7%+16.3pp | 80.7%+14.3pp |
| Annual return | 17.37% | 103.84%-86.5pp | 89.72%-72.3pp | 172.34%-155.0pp |
| Employer contribution / active EE | $6,742 | $4,769+41.4% | $4,268+57.9% | $4,379+54.0% |
| Participant deferral / active EE | $0 | $6,350-100.0% | $5,630-100.0% | $6,730-100.0% |
| Admin fee / account holder | $2,385 | $18,654-87.2% | $16,006-85.1% | $14,365-83.4% |