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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 | $211,239-33.6% | $178,528-21.4% | $145,877-3.8% |
| Participation rate | 70.0% | 80.8%-10.8pp | 77.1%-7.1pp | 80.3%-10.3pp |
| Annual return | 14.02% | 30.22%-16.2pp | 27.11%-13.1pp | 551.28%-537.3pp |
| Employer contribution / active EE | $10,047 | $4,570+119.8% | $3,950+154.3% | $4,663+115.5% |
| Participant deferral / active EE | $411 | $6,963-94.1% | $6,278-93.5% | $6,691-93.9% |
| Admin fee / account holder | $437 | $12,095-96.4% | $10,419-95.8% | $13,402-96.7% |