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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 | $33,240 | $162,821-79.6% | $133,978-75.2% | $158,982-79.1% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 13.56% | 41.95%-28.4pp | 45.10%-31.5pp | 302.99%-289.4pp |
| Employer contribution / active EE | $6,092 | $4,976+22.4% | $3,919+55.4% | $4,763+27.9% |
| Participant deferral / active EE | $1,182 | $5,910-80.0% | $5,047-76.6% | $5,983-80.2% |
| Admin fee / account holder | $519 | $11,742-95.6% | $8,930-94.2% | $11,252-95.4% |