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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 | $147,667 | $228,352-35.3% | $185,835-20.5% | $158,966-7.1% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 7.14% | 40.81%-33.7pp | 35.96%-28.8pp | 302.95%-295.8pp |
| Employer contribution / active EE | $37,639 | $4,967+657.8% | $4,087+820.9% | $4,762+690.3% |
| Participant deferral / active EE | $929 | $6,416-85.5% | $5,633-83.5% | $5,983-84.5% |
| Admin fee / account holder | $1,290 | $11,867-89.1% | $9,502-86.4% | $11,250-88.5% |