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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 | $87,892 | $160,028-45.1% | $147,080-40.2% | $145,884-39.8% |
| Participation rate | 94.7% | 84.0%+10.7pp | 82.2%+12.6pp | 80.3%+14.4pp |
| Annual return | 25.89% | 98.60%-72.7pp | 420.17%-394.3pp | 551.85%-526.0pp |
| Employer contribution / active EE | $1,593 | $5,286-69.9% | $4,933-67.7% | $4,662-65.8% |
| Participant deferral / active EE | $2,370 | $8,422-71.9% | $8,066-70.6% | $6,690-64.6% |
| Admin fee / account holder | $3,569 | $15,030-76.3% | $12,989-72.5% | $13,392-73.4% |