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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 | $36,460 | $157,296-76.8% | $141,191-74.2% | $152,897-76.2% |
| Participation rate | 83.3% | 84.8%-1.5pp | 82.5%+0.9pp | 82.5%+0.9pp |
| Annual return | 20.65% | 64.34%-43.7pp | 71.41%-50.8pp | 345.43%-324.8pp |
| Employer contribution / active EE | $4,713 | $5,262-10.4% | $4,736-0.5% | $4,764-1.1% |
| Participant deferral / active EE | $1,478 | $7,111-79.2% | $6,710-78.0% | $5,851-74.7% |
| Admin fee / account holder | $1,313 | $12,125-89.2% | $10,264-87.2% | $11,599-88.7% |