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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 | $54,379 | $165,381-67.1% | $149,730-63.7% | $158,966-65.8% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 11.76% | 348.29%-336.5pp | 276.70%-264.9pp | 302.95%-291.2pp |
| Employer contribution / active EE | $2,206 | $5,104-56.8% | $4,645-52.5% | $4,762-53.7% |
| Participant deferral / active EE | $2,269 | $7,182-68.4% | $6,843-66.8% | $5,983-62.1% |
| Admin fee / account holder | $857 | $10,809-92.1% | $9,310-90.8% | $11,250-92.4% |