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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 | $81,643 | $65,367+24.9% | $92,915-12.1% | $72,976+11.9% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 22.81% | 42.11%-19.3pp | 109.45%-86.6pp | 81.02%-58.2pp |
| Employer contribution / active EE | $7,618 | $2,594+193.7% | $3,653+108.5% | $2,440+212.2% |
| Participant deferral / active EE | $809 | $3,128-74.1% | $4,238-80.9% | $3,608-77.6% |
| Admin fee / account holder | $5,194 | $4,251+22.2% | $5,796-10.4% | $5,124+1.4% |