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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 | $123,105 | $183,516-32.9% | $155,534-20.9% | $145,884-15.6% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 12.13% | 61.43%-49.3pp | 64.92%-52.8pp | 551.85%-539.7pp |
| Employer contribution / active EE | $2,773 | $5,315-47.8% | $4,675-40.7% | $4,662-40.5% |
| Participant deferral / active EE | $451 | $6,467-93.0% | $5,630-92.0% | $6,690-93.3% |
| Admin fee / account holder | $1,342 | $19,293-93.0% | $15,900-91.6% | $13,392-90.0% |