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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 | $177,159 | $162,821+8.8% | $133,978+32.2% | $158,982+11.4% |
| Participation rate | 87.0% | 83.2%+3.7pp | 79.8%+7.1pp | 82.0%+5.0pp |
| Annual return | 16.78% | 41.95%-25.2pp | 45.10%-28.3pp | 302.99%-286.2pp |
| Employer contribution / active EE | $1,001 | $4,976-79.9% | $3,919-74.5% | $4,763-79.0% |
| Participant deferral / active EE | $1,626 | $5,910-72.5% | $5,047-67.8% | $5,983-72.8% |
| Admin fee / account holder | $14,826 | $11,742+26.3% | $8,930+66.0% | $11,252+31.8% |