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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 | $207,146 | $107,941+91.9% | $91,994+125.2% | $152,909+35.5% |
| Participation rate | 88.9% | 81.2%+7.7pp | 78.6%+10.3pp | 82.5%+6.4pp |
| Annual return | 15.20% | 89.28%-74.1pp | 69.04%-53.8pp | 345.46%-330.3pp |
| Employer contribution / active EE | $4,633 | $4,212+10.0% | $3,453+34.2% | $4,764-2.7% |
| Participant deferral / active EE | $1,301 | $6,366-79.6% | $5,924-78.0% | $5,851-77.8% |
| Admin fee / account holder | $5,022 | $10,521-52.3% | $7,744-35.1% | $11,601-56.7% |