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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 | $170,302 | $81,504+109.0% | $102,437+66.3% | $80,959+110.4% |
| Participation rate | 91.9% | 66.9%+25.1pp | 74.5%+17.4pp | 67.7%+24.3pp |
| Annual return | 12.87% | 25.60%-12.7pp | 24.95%-12.1pp | 35.67%-22.8pp |
| Employer contribution / active EE | $19,772 | $3,104+537.1% | $3,871+410.8% | $2,757+617.1% |
| Participant deferral / active EE | $1,582 | $3,871-59.1% | $5,060-68.7% | $4,300-63.2% |
| Admin fee / account holder | $18,047 | $6,719+168.6% | $8,388+115.1% | $6,925+160.6% |