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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 | $247,776 | $217,432+14.0% | $185,849+33.3% | $167,536+47.9% |
| Participation rate | 89.5% | 86.1%+3.4pp | 81.7%+7.8pp | 82.1%+7.4pp |
| Annual return | 14.81% | 148.42%-133.6pp | 122.10%-107.3pp | 478.82%-464.0pp |
| Employer contribution / active EE | $4,965 | $5,875-15.5% | $5,169-3.9% | $4,839+2.6% |
| Participant deferral / active EE | $1,689 | $6,357-73.4% | $5,569-69.7% | $6,342-73.4% |
| Admin fee / account holder | $373 | $19,818-98.1% | $16,244-97.7% | $12,315-97.0% |