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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 | $128,337 | $228,352-43.8% | $185,827-30.9% | $158,950-19.3% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 7.22% | 40.81%-33.6pp | 35.96%-28.7pp | 302.91%-295.7pp |
| Employer contribution / active EE | $1,622 | $4,967-67.3% | $4,087-60.3% | $4,762-65.9% |
| Participant deferral / active EE | $770 | $6,416-88.0% | $5,633-86.3% | $5,983-87.1% |
| Admin fee / account holder | $758 | $11,867-93.6% | $9,502-92.0% | $11,248-93.3% |