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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 | $84,265 | $118,877-29.1% | $96,570-12.7% | $167,536-49.7% |
| Participation rate | 91.7% | 75.5%+16.2pp | 69.8%+21.8pp | 82.1%+9.6pp |
| Annual return | 19.66% | 50.50%-30.8pp | 37.79%-18.1pp | 478.82%-459.2pp |
| Employer contribution / active EE | $833 | $3,121-73.3% | $2,357-64.6% | $4,839-82.8% |
| Participant deferral / active EE | $645 | $4,617-86.0% | $3,849-83.2% | $6,342-89.8% |
| Admin fee / account holder | $3,052 | $8,069-62.2% | $6,182-50.6% | $12,315-75.2% |