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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 | $119,245 | $124,351-4.1% | $109,188+9.2% | $167,553-28.8% |
| Participation rate | 89.5% | 79.4%+10.0pp | 75.9%+13.6pp | 82.1%+7.4pp |
| Annual return | 14.97% | 26.04%-11.1pp | 25.76%-10.8pp | 478.89%-463.9pp |
| Employer contribution / active EE | $8,920 | $4,210+111.9% | $3,723+139.6% | $4,840+84.3% |
| Participant deferral / active EE | $1,474 | $5,257-72.0% | $4,654-68.3% | $6,343-76.8% |
| Admin fee / account holder | $7,965 | $7,975-0.1% | $6,755+17.9% | $12,316-35.3% |