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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 | $189,070 | $210,908-10.4% | $153,643+23.1% | $145,884+29.6% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 8.75% | 13.46%-4.7pp | 15.71%-7.0pp | 551.85%-543.1pp |
| Employer contribution / active EE | $1,403 | $6,055-76.8% | $5,039-72.2% | $4,662-69.9% |
| Participant deferral / active EE | $0 | $7,976-100.0% | $6,754-100.0% | $6,690-100.0% |
| Admin fee / account holder | $1,293 | $19,477-93.4% | $12,739-89.8% | $13,392-90.3% |