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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 | $225,142 | $103,392+117.8% | $87,104+158.5% | $152,897+47.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 22.51% | 28.10%-5.6pp | 28.19%-5.7pp | 345.43%-322.9pp |
| Employer contribution / active EE | $15,000 | $3,221+365.7% | $2,521+494.9% | $4,764+214.9% |
| Participant deferral / active EE | $666 | $4,778-86.1% | $4,048-83.6% | $5,851-88.6% |
| Admin fee / account holder | $13,861 | $12,194+13.7% | $7,491+85.0% | $11,599+19.5% |