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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 | $29,638 | $139,948-78.8% | $121,663-75.6% | $154,746-80.8% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 9.69% | 230.52%-220.8pp | 147.54%-137.9pp | 172.34%-162.7pp |
| Employer contribution / active EE | $723 | $3,521-79.5% | $3,020-76.0% | $4,379-83.5% |
| Participant deferral / active EE | $520 | $5,629-90.8% | $4,887-89.4% | $6,730-92.3% |
| Admin fee / account holder | $2,029 | $17,321-88.3% | $14,289-85.8% | $14,365-85.9% |