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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 | $189,110 | $209,336-9.7% | $197,124-4.1% | $137,256+37.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 13.14% | 48.09%-34.9pp | 44.34%-31.2pp | 220.34%-207.2pp |
| Employer contribution / active EE | $10,759 | $6,591+63.2% | $6,227+72.8% | $4,156+158.9% |
| Participant deferral / active EE | $975 | $9,614-89.9% | $9,135-89.3% | $6,407-84.8% |
| Admin fee / account holder | $1,285 | $17,308-92.6% | $16,298-92.1% | $12,270-89.5% |