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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 | $113,538 | $154,228-26.4% | $145,433-21.9% | $137,256-17.3% |
| Participation rate | 85.0% | 83.8%+1.2pp | 82.1%+2.9pp | 80.0%+5.0pp |
| Annual return | 14.99% | 74.59%-59.6pp | 66.58%-51.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,441 | $4,804-70.0% | $4,554-68.4% | $4,156-65.3% |
| Participant deferral / active EE | $1,703 | $8,216-79.3% | $7,897-78.4% | $6,407-73.4% |
| Admin fee / account holder | $10,342 | $14,344-27.9% | $13,129-21.2% | $12,270-15.7% |