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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 | $167,579 | $167,5330% | $151,645+10.5% | $134,545+24.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -18.99% | 7.81%-26.8pp | 3.34%-22.3pp | 418.37%-437.4pp |
| Employer contribution / active EE | $1,759 | $6,828-74.2% | $6,165-71.5% | $4,742-62.9% |
| Participant deferral / active EE | $572 | $8,985-93.6% | $8,363-93.2% | $6,401-91.1% |
| Admin fee / account holder | $5,448 | $13,781-60.5% | $11,614-53.1% | $11,431-52.3% |