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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 | $183,595 | $106,247+72.8% | $96,515+90.2% | $139,466+31.6% |
| Participation rate | 71.4% | 77.8%-6.4pp | 74.3%-2.9pp | 80.3%-8.9pp |
| Annual return | 23.17% | 38.47%-15.3pp | 35.73%-12.6pp | 373.66%-350.5pp |
| Employer contribution / active EE | $21,989 | $4,106+435.5% | $3,740+488.0% | $4,754+362.5% |
| Participant deferral / active EE | $448 | $5,456-91.8% | $4,880-90.8% | $6,712-93.3% |
| Admin fee / account holder | $20,121 | $7,885+155.2% | $6,735+198.7% | $11,409+76.4% |