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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 | $146,912 | $183,592-20.0% | $155,574-5.6% | $145,877+0.7% |
| Participation rate | 70.0% | 82.7%-12.7pp | 78.2%-8.2pp | 80.3%-10.3pp |
| Annual return | 34.12% | 61.37%-27.3pp | 64.87%-30.7pp | 551.28%-517.2pp |
| Employer contribution / active EE | $1,323 | $5,317-75.1% | $4,676-71.7% | $4,663-71.6% |
| Participant deferral / active EE | $1,376 | $6,466-78.7% | $5,629-75.6% | $6,691-79.4% |
| Admin fee / account holder | $6,382 | $19,316-67.0% | $15,914-59.9% | $13,402-52.4% |