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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 | $167,299 | $172,111-2.8% | $150,298+11.3% | $137,256+21.9% |
| Participation rate | 90.0% | 81.7%+8.3pp | 77.8%+12.2pp | 80.0%+10.0pp |
| Annual return | 11.90% | 69.37%-57.5pp | 62.79%-50.9pp | 220.34%-208.4pp |
| Employer contribution / active EE | $2,772 | $4,636-40.2% | $4,154-33.3% | $4,156-33.3% |
| Participant deferral / active EE | $754 | $6,166-87.8% | $5,453-86.2% | $6,407-88.2% |
| Admin fee / account holder | $2,769 | $16,471-83.2% | $14,116-80.4% | $12,270-77.4% |