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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 | $191,406 | $135,956+40.8% | $123,894+54.5% | $273,972-30.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 7.55% | 56.63%-49.1pp | 47.52%-40.0pp | 41.46%-33.9pp |
| Employer contribution / active EE | $22,508 | $5,170+335.4% | $4,617+387.5% | $4,869+362.3% |
| Participant deferral / active EE | $920 | $6,343-85.5% | $5,984-84.6% | $5,287-82.6% |
| Admin fee / account holder | $1,947 | $9,817-80.2% | $8,357-76.7% | $10,133-80.8% |