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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 | $161,349 | $124,346+29.8% | $111,308+45.0% | $167,536-3.7% |
| Participation rate | 92.3% | 79.6%+12.7pp | 77.3%+15.0pp | 82.1%+10.2pp |
| Annual return | 23.65% | 37.45%-13.8pp | 54.67%-31.0pp | 478.82%-455.2pp |
| Employer contribution / active EE | $3,077 | $3,437-10.5% | $2,732+12.6% | $4,839-36.4% |
| Participant deferral / active EE | $1,450 | $5,182-72.0% | $4,487-67.7% | $6,342-77.1% |
| Admin fee / account holder | $20,113 | $10,621+89.4% | $7,965+152.5% | $12,315+63.3% |