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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 | $125,323 | $78,670+59.3% | $109,173+14.8% | $85,847+46.0% |
| Participation rate | 93.4% | 68.3%+25.2pp | 75.9%+17.6pp | 69.3%+24.1pp |
| Annual return | 15.86% | 25.09%-9.2pp | 25.75%-9.9pp | 318.61%-302.7pp |
| Employer contribution / active EE | $23,822 | $2,734+771.4% | $3,723+539.9% | $2,565+828.6% |
| Participant deferral / active EE | $692 | $3,467-80.0% | $4,654-85.1% | $3,952-82.5% |
| Admin fee / account holder | $4,670 | $5,469-14.6% | $6,755-30.9% | $6,261-25.4% |