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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 | $48,716 | $217,432-77.6% | $185,851-73.8% | $167,553-70.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.83% | 148.43%-132.6pp | 122.11%-106.3pp | 478.89%-463.1pp |
| Employer contribution / active EE | $1,862 | $5,874-68.3% | $5,168-64.0% | $4,840-61.5% |
| Participant deferral / active EE | $2,117 | $6,357-66.7% | $5,569-62.0% | $6,343-66.6% |
| Admin fee / account holder | $690 | $19,820-96.5% | $16,245-95.8% | $12,316-94.4% |