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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 | $20,350 | $125,193-83.7% | $105,591-80.7% | $145,978-86.1% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 15.20% | 225.53%-210.3pp | 116.43%-101.2pp | 550.52%-535.3pp |
| Employer contribution / active EE | $9,451 | $3,718+154.2% | $3,166+198.5% | $4,662+102.7% |
| Participant deferral / active EE | $743 | $5,708-87.0% | $5,008-85.2% | $6,690-88.9% |
| Admin fee / account holder | $423 | $17,277-97.6% | $11,024-96.2% | $13,400-96.8% |