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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 | $70,366+18.2% | $66,674+24.8% | $138,895-40.1% |
| Participation rate | 80.0% | 76.2%+3.8pp | 73.7%+6.3pp | 79.9%+0.1pp |
| Annual return | 14.67% | 386.41%-371.7pp | 321.24%-306.6pp | 145.39%-130.7pp |
| Employer contribution / active EE | $1,900 | $2,765-31.3% | $2,620-27.5% | $4,194-54.7% |
| Participant deferral / active EE | $0 | $4,374-100.0% | $4,084-100.0% | $6,396-100.0% |
| Admin fee / account holder | $1,064 | $5,262-79.8% | $5,098-79.1% | $12,562-91.5% |