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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 | $41,309 | $202,460-79.6% | $169,385-75.6% | $139,456-70.4% |
| Participation rate | 95.5% | 81.1%+14.4pp | 77.2%+18.3pp | 80.3%+15.1pp |
| Annual return | 19.43% | 532.07%-512.6pp | 405.82%-386.4pp | 373.45%-354.0pp |
| Employer contribution / active EE | $1,974 | $4,691-57.9% | $4,012-50.8% | $4,753-58.5% |
| Participant deferral / active EE | $768 | $6,938-88.9% | $6,221-87.7% | $6,711-88.6% |
| Admin fee / account holder | $721 | $10,719-93.3% | $9,011-92.0% | $11,407-93.7% |