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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 | $97,691 | $135,956-28.1% | $123,894-21.2% | $273,972-64.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.34% | 56.63%-52.3pp | 47.52%-43.2pp | 41.46%-37.1pp |
| Employer contribution / active EE | $8,078 | $5,170+56.3% | $4,617+75.0% | $4,869+65.9% |
| Participant deferral / active EE | $178 | $6,343-97.2% | $5,984-97.0% | $5,287-96.6% |
| Admin fee / account holder | $948 | $9,817-90.3% | $8,357-88.7% | $10,133-90.6% |