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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 | $50,917 | $157,304-67.6% | $141,197-63.9% | $152,909-66.7% |
| Participation rate | 76.9% | 84.8%-7.9pp | 82.5%-5.6pp | 82.5%-5.5pp |
| Annual return | 20.45% | 64.34%-43.9pp | 71.41%-51.0pp | 345.46%-325.0pp |
| Employer contribution / active EE | $2,627 | $5,263-50.1% | $4,736-44.5% | $4,764-44.9% |
| Participant deferral / active EE | $2,306 | $7,111-67.6% | $6,710-65.6% | $5,851-60.6% |
| Admin fee / account holder | $1,487 | $12,126-87.7% | $10,265-85.5% | $11,601-87.2% |