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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 | $142,493 | $73,988+92.6% | $96,538+47.6% | $75,177+89.5% |
| Participation rate | 94.7% | 66.4%+28.3pp | 74.3%+20.4pp | 67.2%+27.5pp |
| Annual return | 15.36% | 26.73%-11.4pp | 35.74%-20.4pp | 160.75%-145.4pp |
| Employer contribution / active EE | $17,803 | $2,930+507.5% | $3,740+376.0% | $2,671+566.5% |
| Participant deferral / active EE | $1,200 | $3,660-67.2% | $4,880-75.4% | $4,126-70.9% |
| Admin fee / account holder | $16,707 | $5,220+220.1% | $6,737+148.0% | $5,651+195.6% |