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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 | $194,921 | $176,786+10.3% | $146,643+32.9% | $167,536+16.3% |
| Participation rate | 80.0% | 83.6%-3.6pp | 80.1%-0.1pp | 82.1%-2.1pp |
| Annual return | 16.29% | 24.04%-7.7pp | 22.75%-6.5pp | 478.82%-462.5pp |
| Employer contribution / active EE | $10,000 | $5,161+93.8% | $4,137+141.7% | $4,839+106.7% |
| Participant deferral / active EE | $1,304 | $6,440-79.8% | $5,506-76.3% | $6,342-79.4% |
| Admin fee / account holder | $815 | $13,262-93.9% | $10,280-92.1% | $12,315-93.4% |