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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 | $104,918 | $106,236-1.2% | $96,496+8.7% | $139,427-24.8% |
| Participation rate | 85.7% | 77.8%+7.9pp | 74.3%+11.4pp | 80.3%+5.4pp |
| Annual return | 14.05% | 38.43%-24.4pp | 35.70%-21.7pp | 373.27%-359.2pp |
| Employer contribution / active EE | $0 | $4,104-100.0% | $3,738-100.0% | $4,752-100.0% |
| Participant deferral / active EE | $1,355 | $5,455-75.2% | $4,879-72.2% | $6,711-79.8% |
| Admin fee / account holder | $948 | $7,879-88.0% | $6,731-85.9% | $11,404-91.7% |