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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 | $202,610 | $154,209+31.4% | $130,062+55.8% | $139,487+45.3% |
| Participation rate | 71.4% | 82.0%-10.5pp | 78.5%-7.1pp | 80.3%-8.9pp |
| Annual return | 14.21% | 32.52%-18.3pp | -137.37%+151.6pp | 373.84%-359.6pp |
| Employer contribution / active EE | $5,683 | $5,292+7.4% | $4,322+31.5% | $4,755+19.5% |
| Participant deferral / active EE | $1,300 | $6,709-80.6% | $5,821-77.7% | $6,713-80.6% |
| Admin fee / account holder | $23,732 | $13,988+69.7% | $10,601+123.9% | $11,407+108.0% |