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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 | $74,039 | $165,399-55.2% | $149,745-50.6% | $158,982-53.4% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 17.43% | 348.34%-330.9pp | 276.72%-259.3pp | 302.99%-285.6pp |
| Employer contribution / active EE | $907 | $5,105-82.2% | $4,646-80.5% | $4,763-80.9% |
| Participant deferral / active EE | $763 | $7,183-89.4% | $6,843-88.8% | $5,983-87.2% |
| Admin fee / account holder | $11,253 | $10,811+4.1% | $9,312+20.9% | $11,2520% |