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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 | $52,019 | $157,829-67.0% | $136,867-62.0% | $198,609-73.8% |
| Participation rate | 87.5% | 77.2%+10.3pp | 74.5%+13.0pp | 82.4%+5.1pp |
| Annual return | 10.84% | 51.25%-40.4pp | 42.97%-32.1pp | 202.70%-191.9pp |
| Employer contribution / active EE | $2,222 | $3,923-43.3% | $3,547-37.3% | $5,055-56.0% |
| Participant deferral / active EE | $943 | $5,463-82.7% | $4,924-80.9% | $6,977-86.5% |
| Admin fee / account holder | $481 | $11,107-95.7% | $10,340-95.4% | $19,030-97.5% |