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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 | $39,461 | $85,766-54.0% | $136,298-71.0% | $70,126-43.7% |
| Participation rate | 83.8% | 74.2%+9.6pp | 81.9%+1.9pp | 69.5%+14.2pp |
| Annual return | 17.11% | 31.46%-14.3pp | 5156.27%-5139.2pp | 73.15%-56.0pp |
| Employer contribution / active EE | $4,362 | $2,966+47.1% | $4,696-7.1% | $2,343+86.2% |
| Participant deferral / active EE | $1,482 | $5,051-70.7% | $6,247-76.3% | $3,332-55.5% |
| Admin fee / account holder | $1,470 | $5,421-72.9% | $9,244-84.1% | $4,645-68.4% |