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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 | $53,108 | $105,198-49.5% | $159,455-66.7% | $85,856-38.1% |
| Participation rate | 93.8% | 75.8%+18.0pp | 82.8%+10.9pp | 69.3%+24.4pp |
| Annual return | 12.94% | 45.08%-32.1pp | 263.63%-250.7pp | 318.58%-305.6pp |
| Employer contribution / active EE | $1,854 | $3,319-44.1% | $4,830-61.6% | $2,565-27.7% |
| Participant deferral / active EE | $2,491 | $5,946-58.1% | $7,353-66.1% | $3,952-37.0% |
| Admin fee / account holder | $1,357 | $6,934-80.4% | $10,800-87.4% | $6,261-78.3% |