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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 | $162,325 | $148,629+9.2% | $135,982+19.4% | $139,487+16.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.14% | 79.33%-67.2pp | 68.32%-56.2pp | 373.84%-361.7pp |
| Employer contribution / active EE | $1,711 | $5,247-67.4% | $4,859-64.8% | $4,755-64.0% |
| Participant deferral / active EE | $2,477 | $8,102-69.4% | $7,760-68.1% | $6,713-63.1% |
| Admin fee / account holder | $547 | $12,406-95.6% | $10,767-94.9% | $11,407-95.2% |