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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 | $142,715 | $115,810+23.2% | $101,271+40.9% | $158,966-10.2% |
| Participation rate | 85.7% | 79.4%+6.3pp | 75.8%+9.9pp | 82.0%+3.8pp |
| Annual return | 9.45% | 56.15%-46.7pp | 46.48%-37.0pp | 302.95%-293.5pp |
| Employer contribution / active EE | $19,673 | $4,175+371.2% | $3,660+437.5% | $4,762+313.1% |
| Participant deferral / active EE | $536 | $4,958-89.2% | $4,371-87.7% | $5,983-91.0% |
| Admin fee / account holder | $416 | $7,248-94.3% | $5,948-93.0% | $11,250-96.3% |