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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 | $90,642 | $181,896-50.2% | $156,551-42.1% | $273,972-66.9% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 31.47% | 30.74%+0.7pp | 32.23%-0.8pp | 41.46%-10.0pp |
| Employer contribution / active EE | $19,694 | $6,248+215.2% | $5,501+258.0% | $4,869+304.5% |
| Participant deferral / active EE | $1,300 | $5,550-76.6% | $4,871-73.3% | $5,287-75.4% |
| Admin fee / account holder | $481 | $15,560-96.9% | $13,028-96.3% | $10,133-95.3% |