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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 | $101,809 | $88,672+14.8% | $105,223-3.2% | $82,448+23.5% |
| Participation rate | 93.5% | 67.9%+25.6pp | 75.0%+18.5pp | 68.1%+25.5pp |
| Annual return | 18.06% | 30.86%-12.8pp | 180.65%-162.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $3,248 | $3,048+6.6% | $3,689-11.9% | $2,551+27.3% |
| Participant deferral / active EE | $1,359 | $4,036-66.3% | $5,072-73.2% | $4,139-67.2% |
| Admin fee / account holder | $3,118 | $7,146-56.4% | $8,859-64.8% | $7,234-56.9% |