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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 | $91,938 | $176,786-48.0% | $146,643-37.3% | $167,536-45.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 8.98% | 24.04%-15.1pp | 22.75%-13.8pp | 478.82%-469.8pp |
| Employer contribution / active EE | $5,742 | $5,161+11.2% | $4,137+38.8% | $4,839+18.7% |
| Participant deferral / active EE | $708 | $6,440-89.0% | $5,506-87.1% | $6,342-88.8% |
| Admin fee / account holder | $808 | $13,262-93.9% | $10,280-92.1% | $12,315-93.4% |