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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 | $48,012 | $178,174-73.1% | $156,181-69.3% | $137,256-65.0% |
| Participation rate | 92.3% | 82.0%+10.3pp | 78.8%+13.5pp | 80.0%+12.3pp |
| Annual return | 14.83% | 84.19%-69.4pp | 64.87%-50.0pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,380 | $4,972-52.1% | $4,294-44.6% | $4,156-42.7% |
| Participant deferral / active EE | $1,216 | $6,888-82.3% | $6,132-80.2% | $6,407-81.0% |
| Admin fee / account holder | $960 | $17,404-94.5% | $14,586-93.4% | $12,270-92.2% |