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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 | $21,543 | $134,817-84.0% | $123,973-82.6% | $155,188-86.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 10.70% | 515.49%-504.8pp | 388.13%-377.4pp | 148.84%-138.1pp |
| Employer contribution / active EE | $3,165 | $4,425-28.5% | $4,126-23.3% | $4,248-25.5% |
| Participant deferral / active EE | $417 | $5,706-92.7% | $5,247-92.1% | $6,531-93.6% |
| Admin fee / account holder | $384 | $13,245-97.1% | $11,799-96.7% | $14,480-97.3% |