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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 | $247,443 | $157,296+57.3% | $141,191+75.3% | $152,897+61.8% |
| Participation rate | 80.0% | 84.8%-4.8pp | 82.5%-2.5pp | 82.5%-2.5pp |
| Annual return | 25.74% | 64.34%-38.6pp | 71.41%-45.7pp | 345.43%-319.7pp |
| Employer contribution / active EE | $2,065 | $5,262-60.8% | $4,736-56.4% | $4,764-56.7% |
| Participant deferral / active EE | $1,740 | $7,111-75.5% | $6,710-74.1% | $5,851-70.3% |
| Admin fee / account holder | $16,051 | $12,125+32.4% | $10,264+56.4% | $11,599+38.4% |