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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 | $167,809 | $135,645+23.7% | $110,243+52.2% | $135,380+24.0% |
| Participation rate | 91.7% | 83.5%+8.2pp | 79.8%+11.8pp | 82.6%+9.0pp |
| Annual return | 1.03% | 513.24%-512.2pp | 314.76%-313.7pp | 519.81%-518.8pp |
| Employer contribution / active EE | $1,804 | $4,907-63.2% | $3,827-52.8% | $4,779-62.2% |
| Participant deferral / active EE | $1,430 | $5,507-74.0% | $4,672-69.4% | $5,609-74.5% |
| Admin fee / account holder | $2,873 | $11,458-74.9% | $8,548-66.4% | $10,828-73.5% |