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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 | $34,859 | $217,427-84.0% | $185,837-81.2% | $167,518-79.2% |
| Participation rate | 90.9% | 86.0%+4.9pp | 81.7%+9.2pp | 82.1%+8.8pp |
| Annual return | 9.64% | 148.39%-138.8pp | 122.08%-112.4pp | 478.71%-469.1pp |
| Employer contribution / active EE | $4,256 | $5,874-27.5% | $5,168-17.6% | $4,838-12.0% |
| Participant deferral / active EE | $1,953 | $6,357-69.3% | $5,568-64.9% | $6,342-69.2% |
| Admin fee / account holder | $1,820 | $19,816-90.8% | $16,241-88.8% | $12,312-85.2% |