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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 | $73,983 | $107,944-31.5% | $91,994-19.6% | $152,885-51.6% |
| Participation rate | 92.3% | 81.2%+11.1pp | 78.6%+13.7pp | 82.5%+9.9pp |
| Annual return | 20.91% | 89.26%-68.3pp | 69.03%-48.1pp | 345.39%-324.5pp |
| Employer contribution / active EE | $783 | $4,210-81.4% | $3,452-77.3% | $4,763-83.6% |
| Participant deferral / active EE | $1,591 | $6,365-75.0% | $5,923-73.1% | $5,851-72.8% |
| Admin fee / account holder | $9,113 | $10,521-13.4% | $7,743+17.7% | $11,598-21.4% |