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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 | $157,823 | $160,059-1.4% | $140,019+12.7% | $135,380+16.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | 9.56% | 911.48%-901.9pp | 651.17%-641.6pp | 519.81%-510.2pp |
| Employer contribution / active EE | $6,042 | $6,420-5.9% | $5,605+7.8% | $4,779+26.4% |
| Participant deferral / active EE | $1,638 | $7,641-78.6% | $6,927-76.4% | $5,609-70.8% |
| Admin fee / account holder | $4,540 | $13,328-65.9% | $10,705-57.6% | $10,828-58.1% |