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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 | $83,182 | $114,013-27.0% | $103,693-19.8% | $155,188-46.4% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.6%+7.4pp | 80.8%-0.8pp |
| Annual return | 14.67% | 49.31%-34.6pp | 47.61%-32.9pp | 148.84%-134.2pp |
| Employer contribution / active EE | $1,900 | $3,131-39.3% | $2,920-35.0% | $4,248-55.3% |
| Participant deferral / active EE | $0 | $4,970-100.0% | $4,579-100.0% | $6,531-100.0% |
| Admin fee / account holder | $1,064 | $8,407-87.3% | $7,858-86.5% | $14,480-92.7% |