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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 | $96,158 | $127,387-24.5% | $115,038-16.4% | $125,389-23.3% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 0.73% | 31.28%-30.5pp | 26.14%-25.4pp | 282.24%-281.5pp |
| Employer contribution / active EE | $6,222 | $5,166+20.4% | $4,608+35.0% | $4,866+27.9% |
| Participant deferral / active EE | $256 | $6,423-96.0% | $6,026-95.7% | $5,352-95.2% |
| Admin fee / account holder | $772 | $9,516-91.9% | $8,175-90.6% | $9,541-91.9% |