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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 | $95,088 | $117,904-19.4% | $102,457-7.2% | $145,978-34.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 10.04% | 31.80%-21.8pp | 29.41%-19.4pp | 550.52%-540.5pp |
| Employer contribution / active EE | $18,898 | $3,613+423.0% | $3,022+525.3% | $4,662+305.4% |
| Participant deferral / active EE | $1,300 | $5,733-77.3% | $5,054-74.3% | $6,690-80.6% |
| Admin fee / account holder | $7,469 | $13,329-44.0% | $9,451-21.0% | $13,400-44.3% |