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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 | $140,270 | $211,224-33.6% | $178,505-21.4% | $145,897-3.9% |
| Participation rate | 70.0% | 80.8%-10.8pp | 77.1%-7.1pp | 80.3%-10.3pp |
| Annual return | 14.02% | 30.28%-16.3pp | 27.16%-13.1pp | 552.29%-538.3pp |
| Employer contribution / active EE | $10,047 | $4,577+119.5% | $3,955+154.0% | $4,663+115.5% |
| Participant deferral / active EE | $411 | $6,966-94.1% | $6,280-93.5% | $6,689-93.9% |
| Admin fee / account holder | $437 | $12,109-96.4% | $10,428-95.8% | $13,390-96.7% |