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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 | $84,016 | $165,399-49.2% | $149,745-43.9% | $158,982-47.2% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 16.13% | 348.34%-332.2pp | 276.72%-260.6pp | 302.99%-286.9pp |
| Employer contribution / active EE | $8,980 | $5,105+75.9% | $4,646+93.3% | $4,763+88.5% |
| Participant deferral / active EE | $272 | $7,183-96.2% | $6,843-96.0% | $5,983-95.5% |
| Admin fee / account holder | $364 | $10,811-96.6% | $9,312-96.1% | $11,252-96.8% |