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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 | $78,900 | $65,367+20.7% | $92,915-15.1% | $72,976+8.1% |
| Participation rate | 85.7% | 68.3%+17.4pp | 76.0%+9.7pp | 69.5%+16.2pp |
| Annual return | 22.19% | 42.11%-19.9pp | 109.45%-87.3pp | 81.02%-58.8pp |
| Employer contribution / active EE | $14,947 | $2,594+476.3% | $3,653+309.1% | $2,440+512.6% |
| Participant deferral / active EE | $1,052 | $3,128-66.4% | $4,238-75.2% | $3,608-70.8% |
| Admin fee / account holder | $9,329 | $4,251+119.4% | $5,796+61.0% | $5,124+82.1% |