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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 | $152,767 | $106,923+42.9% | $84,023+81.8% | $152,909-0.1% |
| Participation rate | 81.3% | 75.3%+6.0pp | 69.0%+12.2pp | 82.5%-1.2pp |
| Annual return | 24.06% | 105.02%-81.0pp | 71.32%-47.3pp | 345.46%-321.4pp |
| Employer contribution / active EE | $500 | $2,735-81.7% | $1,984-74.8% | $4,764-89.5% |
| Participant deferral / active EE | $684 | $4,013-83.0% | $3,239-78.9% | $5,851-88.3% |
| Admin fee / account holder | $2,552 | $8,289-69.2% | $6,102-58.2% | $11,601-78.0% |