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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 | $181,431 | $171,492+5.8% | $150,734+20.4% | $198,609-8.6% |
| Participation rate | 75.0% | 81.4%-6.4pp | 78.4%-3.4pp | 82.4%-7.4pp |
| Annual return | 15.93% | 804.70%-788.8pp | 600.81%-584.9pp | 202.70%-186.8pp |
| Employer contribution / active EE | $1,833 | $5,470-66.5% | $4,918-62.7% | $5,055-63.7% |
| Participant deferral / active EE | $2,451 | $6,259-60.8% | $5,610-56.3% | $6,977-64.9% |
| Admin fee / account holder | $1,582 | $17,628-91.0% | $14,905-89.4% | $19,030-91.7% |