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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 | $61,470 | $183,516-66.5% | $155,534-60.5% | $145,884-57.9% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 15.55% | 61.43%-45.9pp | 64.92%-49.4pp | 551.85%-536.3pp |
| Employer contribution / active EE | $1,853 | $5,315-65.1% | $4,675-60.4% | $4,662-60.3% |
| Participant deferral / active EE | $1,316 | $6,467-79.7% | $5,630-76.6% | $6,690-80.3% |
| Admin fee / account holder | $654 | $19,293-96.6% | $15,900-95.9% | $13,392-95.1% |