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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 | $153,522 | $112,131+36.9% | $95,964+60.0% | $158,982-3.4% |
| Participation rate | 85.7% | 79.0%+6.7pp | 77.1%+8.6pp | 82.0%+3.7pp |
| Annual return | 14.20% | 171.19%-157.0pp | 91.64%-77.4pp | 302.99%-288.8pp |
| Employer contribution / active EE | $2,143 | $3,199-33.0% | $2,541-15.7% | $4,763-55.0% |
| Participant deferral / active EE | $1,285 | $4,784-73.1% | $4,167-69.1% | $5,983-78.5% |
| Admin fee / account holder | $1,228 | $10,136-87.9% | $6,797-81.9% | $11,252-89.1% |