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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 | $23,371 | $157,296-85.1% | $141,191-83.4% | $152,897-84.7% |
| Participation rate | 95.0% | 84.8%+10.2pp | 82.5%+12.5pp | 82.5%+12.5pp |
| Annual return | 26.23% | 64.34%-38.1pp | 71.41%-45.2pp | 345.43%-319.2pp |
| Employer contribution / active EE | $1,001 | $5,262-81.0% | $4,736-78.9% | $4,764-79.0% |
| Participant deferral / active EE | $1,426 | $7,111-79.9% | $6,710-78.7% | $5,851-75.6% |
| Admin fee / account holder | $1,748 | $12,125-85.6% | $10,264-83.0% | $11,599-84.9% |