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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 | $19,685 | $162,136-87.9% | $152,301-87.1% | $154,746-87.3% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 15.97% | 91.02%-75.0pp | 80.50%-64.5pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,006 | $4,890-79.4% | $4,624-78.2% | $4,379-77.0% |
| Participant deferral / active EE | $1,131 | $8,341-86.4% | $8,004-85.9% | $6,730-83.2% |
| Admin fee / account holder | $2,297 | $15,759-85.4% | $14,398-84.0% | $14,365-84.0% |