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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 | $96,444 | $96,731-0.3% | $123,973-22.2% | $86,983+10.9% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 15.05% | 17.33%-2.3pp | 388.13%-373.1pp | 25.83%-10.8pp |
| Employer contribution / active EE | $13,423 | $3,297+307.1% | $4,126+225.3% | $2,584+419.4% |
| Participant deferral / active EE | $166 | $4,152-96.0% | $5,247-96.8% | $4,194-96.0% |
| Admin fee / account holder | $7,685 | $8,722-11.9% | $11,799-34.9% | $7,856-2.2% |