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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 | $111,824 | $115,814-3.4% | $101,275+10.4% | $158,982-29.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 18.28% | 56.16%-37.9pp | 46.48%-28.2pp | 302.99%-284.7pp |
| Employer contribution / active EE | $7,361 | $4,176+76.3% | $3,660+101.1% | $4,763+54.5% |
| Participant deferral / active EE | $1,150 | $4,958-76.8% | $4,371-73.7% | $5,983-80.8% |
| Admin fee / account holder | $834 | $7,249-88.5% | $5,948-86.0% | $11,252-92.6% |