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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 | $134,211 | $183,516-26.9% | $155,534-13.7% | $145,884-8.0% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 20.70% | 61.43%-40.7pp | 64.92%-44.2pp | 551.85%-531.2pp |
| Employer contribution / active EE | $2,478 | $5,315-53.4% | $4,675-47.0% | $4,662-46.9% |
| Participant deferral / active EE | $0 | $6,467-100.0% | $5,630-100.0% | $6,690-100.0% |
| Admin fee / account holder | $1,281 | $19,293-93.4% | $15,900-91.9% | $13,392-90.4% |