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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 | $105,277 | $106,247-0.9% | $96,515+9.1% | $139,466-24.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.99% | 38.47%-19.5pp | 35.73%-16.7pp | 373.66%-354.7pp |
| Employer contribution / active EE | $6,723 | $4,106+63.7% | $3,740+79.8% | $4,754+41.4% |
| Participant deferral / active EE | $942 | $5,456-82.7% | $4,880-80.7% | $6,712-86.0% |
| Admin fee / account holder | $3,810 | $7,885-51.7% | $6,735-43.4% | $11,409-66.6% |