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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 | $29,633 | $165,381-82.1% | $149,730-80.2% | $158,966-81.4% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 16.86% | 348.29%-331.4pp | 276.70%-259.8pp | 302.95%-286.1pp |
| Employer contribution / active EE | $2,760 | $5,104-45.9% | $4,645-40.6% | $4,762-42.1% |
| Participant deferral / active EE | $2,329 | $7,182-67.6% | $6,843-66.0% | $5,983-61.1% |
| Admin fee / account holder | $390 | $10,809-96.4% | $9,310-95.8% | $11,250-96.5% |