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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 | $118,887 | $115,903+2.6% | $100,528+18.3% | $158,966-25.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 13.19% | 34.80%-21.6pp | 30.90%-17.7pp | 302.95%-289.8pp |
| Employer contribution / active EE | $3,073 | $4,105-25.1% | $3,419-10.1% | $4,762-35.5% |
| Participant deferral / active EE | $1,008 | $6,677-84.9% | $6,271-83.9% | $5,983-83.2% |
| Admin fee / account holder | $6,147 | $11,000-44.1% | $8,084-24.0% | $11,250-45.4% |