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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 | $153,864 | $217,427-29.2% | $185,837-17.2% | $167,518-8.2% |
| Participation rate | 83.3% | 86.0%-2.7pp | 81.7%+1.6pp | 82.1%+1.2pp |
| Annual return | 11.05% | 148.39%-137.3pp | 122.08%-111.0pp | 478.71%-467.7pp |
| Employer contribution / active EE | $8,338 | $5,874+41.9% | $5,168+61.3% | $4,838+72.3% |
| Participant deferral / active EE | $1,899 | $6,357-70.1% | $5,568-65.9% | $6,342-70.1% |
| Admin fee / account holder | $1,898 | $19,816-90.4% | $16,241-88.3% | $12,312-84.6% |