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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 | $32,105 | $157,276-79.6% | $141,177-77.3% | $152,885-79.0% |
| Participation rate | 73.9% | 84.8%-10.9pp | 82.5%-8.6pp | 82.5%-8.5pp |
| Annual return | 15.49% | 64.33%-48.8pp | 71.40%-55.9pp | 345.39%-329.9pp |
| Employer contribution / active EE | $1,066 | $5,262-79.7% | $4,736-77.5% | $4,763-77.6% |
| Participant deferral / active EE | $2,006 | $7,110-71.8% | $6,710-70.1% | $5,851-65.7% |
| Admin fee / account holder | $417 | $12,123-96.6% | $10,263-95.9% | $11,598-96.4% |